vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 to 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 2025-08-06 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fundo LLC
State: VA

Complaint narrative:
In XX/XX/year> I was approached with an advertisement of a rideshare lender called fundo who would win funds to rideshare drivers. They needed to see how much I was making as an XXXX XXXX  and they allowed me to borrow {$400.00}. Within a week of receiving the funds my first payment was due and the company did not draft the payment. They contacted me and said I was in default and the payment had been returned by my bank. I contacted my bank because I saw no record of them drafting my account nor the payment being returned. I've been contacted fundo again and asked them to draft the account again for double the payment at this point and they said that they would. That time came and went and they never drafted my account. Would occurred next was them seeing that I owe them about {$1400.00} and this was only XXXX weeks into the loan and I needed to pay that to bring the account current. They also mentioned that I have placed a block against the bank from drafting my account which was immediate action of them to move forward with filing a XXXX and whatnot. I inform them I never place any blocks on my account whatsoever and I even got a statement from my bank saying that the company never drafted my account and I never had a block against them drafting my account. The company then refused to work with me and has placed liens an illegal garnishments on my XXXX and XXXX wages. We have not been to court no garnishment has been issued however they have managed to bully the companies into garnishing my wages. All this has occurred without any XXXX involvement except for an attorney who has filed various documents of liens against me. The company was very nasty and refused to work with me I offered to pay off the loan and they refused saying I needed to pay now {$5000.00}. This company appears to be operating in very predatory and nefarious ways. I supply proof that my bank said they never drafted my account and there was never a block against them and they dismissed it and move forward with their liens and garnishments. I need to get a copy of the original application for my attorney so we can file the necessary paperwork to stop these garnishments and leans to be lifted because everything seems to be operating at a very illegal way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am filing a complaint because I am the victim of fraud and identity theft. My personal information was used to open accounts and initiate hard inquiries without my knowledge or authorization. These actions were done fraudulently, and they are now causing serious damage to my credit profile. 

XXXX. Fraudulent Account Ending in XXXX This account was opened on XX/XX/XXXX and is reported as closed with a status of Not More Than Four Payments Past Due and a balance of {$510.00}, exceeding the original credit limit of {$300.00}. The date of first delinquency is reported as XX/XX/XXXX, and it was last reported on XX/XX/XXXX. 
I did not open or authorize this account. I had no knowledge of its existence until reviewing my credit report. I never received a credit card, billing statement, or any communication from the creditor. This account was clearly opened fraudulently using my personal information. 

XXXX. Fraudulent Account Ending in XXXX This account was opened on XX/XX/XXXX, with a credit limit of {$700.00}. It is now reported as charged off with a balance of {$780.00}, and a delinquency date of XX/XX/XXXX. 
I did not open or authorize this account either. I have never done business with the creditor associated with this account, and I did not apply for or receive any services or credit from them. This is also a fraudulent account created without my consent or involvement.

3. Unauthorized Hard Inquiries The following hard inquiries appear on my credit report, but I did not apply for credit or authorize any of these companies to
access my credit file : Date Company Address XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for a car loan or any type of credit with these companies, nor did I give anyone permission to use my information. These inquiries are unauthorized and fraudulent and were likely part of an identity theft scheme.

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following accounts and inquiries are being reported incorrectly. Please remove any unknown and inaccurate information and also update late payment to paid as agreed. Thank you also XXXX XXXX is a reinsertion and is illegal

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
Please remove any outdated, incorrect, or conflicting personal information associated with my profile, including any prior addresses, phone numbers, employers, or variations of my name not matching official government records. 
This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which gives me the right to dispute and request removal of inaccurate or unverified information from my credit report. I also invoke protections under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits any attempt to collect or report false or unverifiable debts, and the Credit Repair Organizations Act ( CROA ), which governs the conduct of any third party involved in credit reporting. Please also note that, although the CFPB previously attempted to finalize a rule removing certain types of debt from consumer credit reports, this rule was vacated by court order in XX/XX/year>. 

Additionally, I am requesting that the following accounts be removed immediately from my credit report under the FCRA due to inaccuracies and/or disputes. These accounts should cease reporting and be permanently removed from all records held by your bureau : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX - LVNV Funding, XXXX, Account Number : XXXX - LVNV Funding, XXXX, Account Number : XXXX - LVNV Funding, Account Number : XXXX Please send me written confirmation that my file has been updated and provide me with an updated copy of my credit report reflecting these corrections. Attached are verification documents including a copy of my government-issued ID, proof of address, and proof of current employment. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
TRUIST BANK Account : XXXX ( Unsecured Loan ) Account Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Charge-Off : {$4300.00} Current Balance : {$4300.00} Past Due : {$4300.00} Subject : Fraudulent/Unauthorized Account Reporting by Truist Bank Request for Investigation and Deletion I am filing this complaint because Truist Bank is reporting an account to my XXXX credit file that I never authorized, signed for, or applied for. 

The account appears as an unsecured loan opened XX/XX/XXXX, with a reported charge-off and past due balance of {$4300.00}. I have no knowledge of this account and have never entered into any credit agreement with Truist Bank for a loan of this kind. 

I am requesting : A full investigation into the legitimacy of this account. 
Validation documentation ( such as a signed contract ) from Truist showing that I authorized this account. 
Removal of this account from my credit report if no such proof can be provided. 

This reporting is damaging my ability to obtain employment-related financing and violates my rights under the Fair Credit Reporting Act ( FCRA 602, 609, and 623 ).

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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had last stop receiving direct deposit to chime on XX/XX/XXXX due to me not having any work the XXXX  was due for {$400.00} ive put cash in the account several of time attempting to pay my balance but that option to pay in increments or paying the full balance has been unavailable I put $ XXXX in there XX/XX/XXXX the system took {$450.00} to oay that balance I immediately called the company they told me that my terms and conditions were updated XXXX weeks ago by a rep then i asked for a supervisor he told me that they changed terms XX/XX/XXXX I asked him to show me where they sent email he told me they posted it on there site and app not notifying me in changing my terms directly either mail phone or email is so unfair now my money is gone I cant pay my bills the supervisor was rude not hearing or listening to me saying that he couldnt help me and hung up the phone and was talking over me. This is not ok nor is it fair or right under any circumstance as the information i sent below no notice thru the app or no emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Phone : ( XXXX ) XXXX Subject : Cease and Desist Communication Notice Pursuant to the FDCPA To Whom It May Concern : I am writing to formally demand that Midland Credit Management immediately cease and desist all communication with me regarding any alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, or any other form of contact.

Your ongoing efforts to contact me via phone and email are unwanted and intrusive, and I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which gives me the legal authority to request that a debt collector stop communication.

Effective immediately, you are to cease all attempts to contact me. The only exceptions permitted by law are : 1. A single communication to confirm you will cease further contact.

2. A notification of specific legal action being taken.

If you continue contacting me after receiving this letter, I will consider it a violation of federal law and will not hesitate to report your conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

This letter is written without admission of liability and does not acknowledge or validate any alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2025-08-06 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-06 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-06 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief