vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
Out of the blue Cash App asked me to verify my account on XX/XX/year>. I submitted every document and picture they asked for and by their process my account was verified. Then cash app proceeds to close my account stating that I violated their terms of service but could not advise which term was violated. I use Cash app for XXXX XXXX and to support my kids and family. Its unfair that they change their terms then raise their percentage on transactions at the same time being able to close accounts without a valid reason. Most of my guys that I pay uses cash app and not only does it affect me but them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: American Credit Acceptance, LLC
State: MO

Complaint narrative:
I recieved a Letter in the mail saying they could not approve me for a car loan and i did not sign up with them ( american credit acceptance. ) or XXXX XXXX ( XXXX XXXX XXXX XXXX. I called american credit acceptance at XXXX and they said, they could not help me because i was not in system. I DID NOT GIVE PERMISSION TO America Credit Acceptance Or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TO PULL CREDIT OR AUTHORIZATION FOR EITHER COMPANY TO DO ANYTHING ASSOCIATE WITH ME. 

i called XXXX XXXX ( XXXX XXXXXXXX XXXX ) spoke with XXXX, account # XXXX and she said they did not send information out. but yet it's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I paid off my car loan and closed the account. However, late payments are still being reported on my credit every XXXX weeks. I understand it could take up to XXXX business days to reflect on my credit score, however it should not be reporting anything. yet again, It is reporting negative every XXXX weeks. 

I called both the credit lender, Credit Acceptance, they stated this is not an issue and that there isn't anything they can do about it. I tried calling XXXX, I was unable to speak with a represenative nor could I file a dispute. This

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Previous complaint # XXXX regarding Exerter Financial. Repossessed my car in XXXX after my complaining Exeter constant calling and hanging up back to back while I was at work and eventually loosing my job. After Exerter repossessed my car and they immediately sold the car without contacting me. However, they recently sent me a notice via mail that I owe them over {$20000.00} after selling the car. Also, today ( XX/XX/year> ), I was contacted via phone by a person who works for XXXX XXXX at XXXXXXXX XXXX The person asked for my nephew XXXX XXXXXXXX XXXX I asked them how did Exerter get my phone number because, he doesn't have my phone number and we do not communicate? I said, you all did a skip trace although Exerter is not to contact me by phone. I asked to speak to a supervisor several times, I was told no and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 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 Regulations 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-04-21 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a broader cybersecurity lapse. 

As per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question. 

Given the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records. 

Immediate documentation proving the chain of custody and data access logs for my student loan file. 

Written confirmation that the loan servicer and associated institutions were compliant with FERPA at all times. 

If these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the U.S. Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA. 
Please treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. 

Sincerely, 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 2025-04-21 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: LA

Complaint narrative:
Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a broader cybersecurity lapse. 

As per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question. 

Given the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records. 

Immediate documentation proving the chain of custody and data access logs for my student loan file. 

Written confirmation that the loan servicer and associated institutions were compliant with FERPA at all times. 

If these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the U.S. Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA. 
Please treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Formal Dispute of Student Loan Based on FERPA Violation Due to Data Breach To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my current student loan ( s ) on the basis of a violation of the Family Educational Rights and Privacy Act ( FERPA ), which has severely compromised my personal and educational records. This violation stems from a documented breach of data security and unsolicited access to sensitive student information by unauthorized third parties, specifically involving XXXX XXXX and entities associated with DOGE ( XXXX ), as part of a broader cybersecurity lapse. 

As per FERPA, my educational records are protected from unauthorized access or disclosure without my explicit consent. I have reason to believe that my personal dataincluding loan informationwas accessed, mishandled, or potentially used without authorization, which constitutes a serious breach of federal law and directly undermines the integrity and legitimacy of the loans in question. 

Given the nature of this breach and the parties allegedly involved, I am requesting the immediate suspension of all collections activity on my student loan ( s ) until a full investigation is completed. Furthermore, I demand the following actions : A full accounting of all individuals and third parties who have accessed my educational and financial records. 

Immediate documentation proving the chain of custody and data access logs for my student loan file. 

Written confirmation that the loan servicer and associated institutions were compliant with FERPA at all times. 

If these demands are not addressed within 30 days of receipt of this letter, I will be compelled to escalate this matter to the U.S. Department of Educations Family Policy Compliance Office and consider legal remedies for damages caused by the violation of my rights under FERPA.

Please treat this matter with the urgency and seriousness it warrants. I expect a response within the statutory timeframe outlined under the Fair Credit Reporting Act and FERPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am filing a complaint against Chime due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFOA ). Specifically, Chime 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 2025-04-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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: TN

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 2025-04-21 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: MN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I made two XXXX transactions on cash app. One was for {$150.00} on XX/XX/year>. The other was for {$160.00} on XX/XX/year>. The transactions were for a stay that my daughter XXXX XXXX had.The stays were two back to back, but separate bookings at a hotel. I disputed the transactions through cash app because the services were not as described. The place had bed bugs and roaches. They denied my claim and my daughters claim for a refund. My cash app funds did not come from my primary checking account, but from funds that I had on my card. We tried to resolve this through a claim for a refund but we were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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