vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On Friday XX/XX/2025 at XXXX XXXX. I added {$280.00} to my cash app account from My XXXX XXXXXXXX checking account. At XXXX XXXX I requested an instant refund of the {$280.00} from Cash app back to my XXXX XXXX checking account since i did not make the purchase, the fee for an instant refund was {$4.00}, which would be taken from the {$280.00} which made the refund {$270.00}. I saw these transactions posted in Cash app but when I checked my checking account the money was not there. I checked my checking account on Saturday, XX/XX/2025 and My checking account showed a Cash app deposit of {$270.00} on Friday, XX/XX/2025 and a Cash app withdrawal/purchase for {$280.00} on Saturday, XX/XX/2025. I waited a few days to let the money come back thinking it was a mix up with instant transfer but it never did. I contacted Cash app via chat and was told they show the funds were sent and could not reverse the payment and claim is denied and to call my bank to help locate the funds. I contacted my bank and explained what happened and they opened a claim but will take 120 days. I need my money back. Cash App is no help and they have defrauded me out of {$280.00}. I dont know what else to do. 

I need you to return my money. 

Cash app is obviously delayed or has a glitch and made the refund show up first in my checking acct. and then the withdrawal ( money I added to cashapp ) show up the next day which left me with {$0.00} which is backwards and both transactions should have posted on the same day XX/XX/2025 with the cash app money added first then my refund second.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lake Area Collections, LLC
State: FL

Complaint narrative:
I requested a medical account to be removed from my credit report, per the new XXXX regulations, effective XX/XX/XXXX. It is still showing on my account. 

The account is listed as Lake Area Collections, filed on XX/XX/XXXX, {$590.00}, which is a bill from a medical bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CT

Complaint narrative:
I've been trying to dispute a closed account from XXXX XXXX XXXX for the past month with Equifax. I have successfully Disputed this closed account through XXXX AND XXXX. Equifax will not reset my account, they will not accept my dispute when I call over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Details of the Complaint : I am filing this complaint against Chime due to ongoing issues with their XXXX system, which has failed to recognize multiple qualifying direct deposits made to my account. I have experienced repeated misinformation from customer service agents, conflicting instructions, and contradictory explanations for why I no longer qualify for the XXXX XXXX feature despite fulfilling the stated requirements. 

I have made multiple deposits over {$200.00} from XXXX, which Chime initially recognized as qualifying. These included amounts of {$300.00}, {$500.00}, and {$110.00} within a short time span, totaling {$900.00} in under two weeks. Despite this, my account stopped recalibrating properly, and Chime agents began denying that the deposits qualified. Some chats confirmed the deposits were fine, others contradicted that, and at one point, I was told I needed to re-link payroll via a provider my employer isnt even listed under ( XXXX ). 

I have screenshots of the contradictory messages and an audio recording of a Chime agent confirming the deposits were acceptable. Ive created a XXXX XXXX folder where this evidence is available : https : XXXX I believe I am being unfairly treated or discriminated against by the company, as the deposits and conditions match what Chime has said are needed for eligibility and yet, my account continues to be excluded. 

I am requesting the CFPB investigate this matter, ensure Chime is held accountable, and I also request compensation for the time lost, misinformation given, and stress this situation has caused. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: VA

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 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 2025-03-22 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
This is regarding dispute XXXX. Goldman Sachs keeps asking me for more evidence despite me sending photos of the damaged product I received and correspondence from merchant acknowledging that damage. I am owed my refund. Seriously. They keep ignoring my evidence because I am XXXX and they are XXXX company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report that has been negatively affecting my creditworthiness. Despite my previous dispute attempts, this issue remains unresolved, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .I have attached supporting documents, including copies of my previous dispute requests, any responses from XXXX, and any evidence proving the inaccuracy of this item. 

Furthermore, I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX, alleging that the company failed to properly investigate consumer disputes and relied on unreliable information. This directly aligns with my situation. XXXX has neither removed nor corrected this inaccurate item, despite my legitimate dispute. 

Under the FCRA ( 15 U.S. Code 1681i ), you are required to conduct a fair investigation and respond within XXXX  days. I am demanding the immediate removal or correction of this inaccurate item, as it is affecting my ability to secure housing and other financial opportunities. 

If XXXX does not comply with my request, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX  Generals Office, and pursue legal action if necessary. 

Please send a written response confirming your actions regarding this dispute to the address listed above. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last six months ( or two years for employment purposes ). I expect this notification to be handled without delay.

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 2025-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
On XXXX I called the etrade by morgan stanley to perform a transfer wire to a 3rd party. Inprovided all the informations on the phone about the third party and the tranfer was initiated. However the bank filled up the information resulting with the wire being sent back to me instead of the third party. In the process i was charged a XXXX $ fee as well as XXXX $ cost of the return wire. ( Loss of XXXX $ ). Even though admitting to the error on the phone the bank has refused to refund the fee as well as compensate me for the loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NV

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of XXXX  of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-22 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: PR

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Subject : Formal Dispute of Federal Student Loan Enforceability Due to Material Alteration of Contractual Terms To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a material alteration to the original contract.

According to the terms outlined in my signed Master Promissory Note, my loan was originated, issued, and administered by the U.S. Department of Education ( DOE ) under the statutory authority of Title IV of the Higher Education Act. However, recent federal administrative action appears to have either eliminated or reassigned the DOEs servicing and management responsibilities for this loan, with the Small Business Administration ( SBA ) now functioning as the managing or collecting entity.

This development constitutes a substantial and unilateral alteration of the agreed-upon contractual terms, materially changing : the administering authority originally agreed to by the borrower ; the servicing and repayment infrastructure ; and the regulatory oversight and borrower protections specific to Title IV student loan programs.

As no such transfer of authority was disclosed, authorized, or consented to by methe borrowerI hereby dispute the continued enforceability of this obligation under its current structure. This transfer undermines the legal framework upon which my loan agreement was based and calls into question the legitimacy of further collection efforts under a restructured entity. 

Accordingly, I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency and the resulting disruption of the original contract. 

Please provide a written response outlining your position on this dispute, along with any available remedies, appeal procedures, or dispute resolution options under federal consumer protection law. 

Thank you for your attention to this matter. I respectfully request prompt acknowledgment and investigation in accordance with CFPBs consumer complaint procedures. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation