vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Money would go missing out of my account thru would say the problem is fix but never received money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling a complaint against cash app ( block, lnc. ) due to inadequate customer service and unfair practice, which violates the customer financial protection Act ( CFPA ) .Specifically, cash app failed to 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 2025-03-11 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed I had some fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.

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 2025-03-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-11 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 request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

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 2025-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Do not do business with Fay Servicing. XXXX setup automatic payments in XXXX ( on XX/XX/XXXX ). Fay Servicing did not withdraw my payment that was due on XX/XX/XXXX. I setup autopay a day before payment was due. They claim that I would have needed to setup auto pay XXXX to XXXX  days for it to make the payment. When I access my account online it shows " autopay on ''. 

They never processed my payment, and never tried to pull my payment after the XXXX to XXXX  days. Also, because of their policy, which was not communicated to me, my account became " delinquent '' and they " turn off '' autopay for delinquent accounts, which made my account more delinquent. 

I didn't know any of this until my bill was reported as XXXX  days past due. When I log in to my account, it shows " auto pay on '' and there is no indication of a problem, however they have reported me to the credit bureaus for being past due, which will effect my credit adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
My address is reported to my credit report multiple times

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 2025-03-11 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-11 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been disputing hard inquiries and collections on my credit report. All of them are already paid in full. I want all hard inquiries and collections removed from my credit report. Experian is the company.

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 2025-03-11 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: PA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 2025-03-11 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: PA

Complaint narrative:
I am filing this formal complaint against Equifax due to inaccurate and unverifiable information reported on my credit file. These inaccuracies have negatively impacted my creditworthiness and financial stability, causing difficulties in obtaining financing and other credit-related opportunities.

There are multiple accounts on my credit report that contain incorrect information, including outdated, unverifiable, and misreported statuses.

Some accounts have incorrect delinquency statuses, payment histories, and balances owed, which I dispute.

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I requested verification of these accounts, yet Equifax has failed to provide proper documentation supporting the reported information. 
Without evidence that these accounts are accurately reported, Equifax is in violation of consumer protection laws. 

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

Additionally, the Metro 2 reporting standards mandate accuracy in reporting, which Equifax has failed to uphold. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states that " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Despite my dispute requests, Equifax has not conducted a proper investigation as required under FCRA 15 U.S.C. 1681s-2 ( b ). 
Case law, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), emphasizes that credit bureaus must perform independent investigations and not merely rely on data from creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/2025 Bull City Financial Solutions Inc sent an electronic communication. This communication failed to include any Opt-out notice as is required under 12 CFR Part 1006 ( Regulation F ). Therefore Bull City Financial Solutions Inc is in violation of 12 CFR 1006.6 Communications in connection with debt collection. That regulation specifically states : ( e ) Opt-out notice for electronic communications or attempts to communicate. A debt collector who communicates or attempts to communicate with a consumer electronically in connection with the collection of a debt using a specific email address, telephone number for text messages, or other electronic-medium address must include in such communication or attempt to communicate a clear and conspicuous statement describing a reasonable and simple method by which the consumer can opt out of further electronic communications or attempts to communicate by the debt collector to that address or telephone number. The debt collector may not require, directly or indirectly, that the consumer, in order to opt out, pay any fee to the debt collector or provide any information other than the consumers opt-out preferences and the email address, telephone number for text messages, or other electronic-medium address subject to the opt-out request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for Incorrect Debt Collection in Violation of the FDCPA and FCRA Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against ( Revco Solutions Reference # : XXXX ) regarding a debt they have attempted to collect from me improperly. 

On XX/XX/2025, I received a debt verification letter from ( Revco Solutions Reference # : XXXX ) stating that I have an outstanding obligation with ( XXXX XXXX XXXX XXXX ). However, after reviewing my records and directly contacting ( XXXX XXXX XXXX XXXX ), I confirmed that I have no outstanding debt with them. 

This action by the debt collector constitutes a violation of multiple provisions of federal law : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) Under 15 U.S.C. 1692e, it is illegal for a debt collector to use any false or misleading representation to collect a debt, including falsely claiming that a nonexistent debt is owed.

Under 15 U.S.C. 1692g, once a consumer disputes the validity of a debt, the collector is required to properly verify it before continuing any collection efforts.

2. Violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) Pursuant to 15 U.S.C. 1681s-2, information providers are required to report debts accurately to credit bureaus. If this debt has been incorrectly reported on my credit history, it also constitutes a violation of this law. 

Based on these violations, I request that the CFPB investigate Revco Solutions Reference # : XXXX ) and require them to : Immediately cease any collection attempts related to this debt. 
Provide verifiable documentary proof of the alleged debt. 
Remove any negative reporting related to this debt from my credit history. 

I have attached a copy of the debt verification letter I received, along with any other relevant evidence supporting my claim. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
My account was shut down due to filing a dispute, they will not answer any questions at that time would not give me any answers. Could not get a hold of live representative? And after that everything I was not able to access anything in my account to get documentations needed the whole account vanished

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference.

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with explanation