vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 redres

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX. This has never been an employer of mine XXXX XXXX This has never been an employer of mine XXXX XXXX XXXX I This has never been an employer of mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$5900.00} - - - This is inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} - - -This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} - - -This is inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$620.00} - - -This is inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$570.00} - - -This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$920.00} - - -This is inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3800.00} - - -This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} - - -This is inaccurate Contnental Finance Company XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} - - -This is inaccurate Contnental Finance Company XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} - - -This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$940.00} - - -This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} - - -This is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is inaccurate

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 2025-07-03 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-07-03 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-07-03 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXXXXXX XXXX XXXX XXXX$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-03 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: AL

Complaint narrative:
On Sunday XX/XX/year> I received a XXXXXXXX XXXX  deposit from a family member on Cashapp. I immediately locked my card that day and did not unlock it. The next day I checked the app to see my balance went from XXXX XXXX XXXX XXXX I called the Customer Support number and was told it was an XXXX XXXX discrepancy. I checked all transactions to see and that explanation did not check out. I then called Cashapp back and was at first told I was the one responsible for the money going missing. Once I proved them wrong I was then told XXXX was responsible. Once again they were proven wrong. Upon further belief that Cashapp was responsible for my money missing, I contacted them a third time on XX/XX/year>, at which I was told again to check my transactions, which did not add up to why my money was missing. This experience was extremely unprofessional and uncalled for, as I am a low income first generation college student providing a living for myself. I humbly ask that you all respond to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A year ago, around XX/XX/XXXX, XXXX XXXX XXXX XXXX placed an account with XXXX XXXX XXXX XXXX XXXX, a collection agency. The account was placed with XXXX to collect a debt in the amount of {$1500.00}. This debt doesn't belong to me, which I informed XXXX XXXX XXXX back in XXXX. 

The debt belongs to someone who lives XXXX XXXXXXXX XXXX XXXX  I have never lived XXXX XXXX. XXXXXXXX XXXX. I have lived at my current address since XXXX. 
XXXX put the debt on my credit reports in XXXX, then removed it. 

The debt is now with another collection agency, Credence Resource Management , LLC. As of XX/XX/XXXX, Credence Resource Management has placed this debt on my credit reports. Again, this debt doesn't belong to me. I was informed by both collection agencies that someone with the same name as mine who lives XXXX XXXX. XXXXXXXX XXXX owed this debt. 

This has been a stressful process ; I have suffered from anxiety and have become very depressed dealing with this situation. I was in the process of buying a house, and now I have to put that dream on hold because my credit score has come down due to this fraudulent charge on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I filled out for a Deed in Lieu in XX/XX/XXXX. Newrez sent a Realtor to see the house fast. The house was vandalized and whole house was damaged by flooding. The Realtor called me to file a claim with the homeowners insurance. I filed the claim and they hired a contractor. The contractor only gutted out the house and didn't fix anything. The homeonwers insurance cut XXXX checks XXXX to Newrez and the other to my homeowners insurance. I had phone calls to my homeowners insurance that they wouldn't cancel my policy until Newrez took the house out of my name. I got XXXX letters in XXXX of XXXX from Newrez and my homeowners insurance that the house would be out of my name XX/XX/XXXX. My homeowners insurance sent me the cancellation check for the canceled policy. We went on a trip to XXXX and when we got back we had XXXX letters in our mailbox saying I was being sued by Newrez for the amount of the house that I don't know. I filled out the form for mediation and paid the {$150.00} and gave them all the documents that they requested. I found a HUD counselor with XXXX XXXX and met with her already and will see her again next week. She called Newrez and asked why the account isn't closed if I don't own the house anymore? They told her to tell me to write a letter requesting a liquidation but I don't own the house. I sent the letter but I had done everything else they had asked and they yet still to do their job and follow the written laws they have on this.

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 2025-07-03 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: OH

Complaint narrative:
I would like to remove the XXXX XXXX  Address from my Equifax credit report. I have never lived there and this fraudulent address under the FTC and FCRA requirements must be met. 

My current address that should be on file is XXXX XXXX XXXX XXXX, OH XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Disputing Fraudulent Inquiries on Credit Report Dear TransUnion, I am writing to formally dispute several credit inquiries that have appeared on my credit report, which I believe are the result of identity theft or fraud. Upon reviewing my credit file, I discovered multiple inquiries that I did not initiate or consent to. These inquiries appear to be fraudulent and are not a result of any action taken by me. 
Below is a list of the inquiries in question : XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/year> i was looking to trade in the vehicle i had at the moment. The dealership had the car i was looking for and we initiated a deal. I gave them my credit and authorized they can use one loaner, in this case XXXX XXXX which was approved. But come to find out they also sent my information to multiple companies that i didnt approve of or authorize. These are all of the known inquiries found that were not authorized. 

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

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 2025-07-03 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: VA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balanced {$600.00} XXXX XXXX XXXX XXXX XXXX balanced {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I requested to know where this debt came from or what it was for, as I have diligently tried to avoid identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Accounts are showing inaccurate late payments as my loans have been in forbearance. They also arent reporting correctly as it is listed as 90 days late but there arent any other indicators of late payments ( such as 30 days late, 60 days late etc ) prior to the 90 day late payment.

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 2025-07-03 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:
Accounts are showing inaccurate late payments as my loans have been in forbearance. They also arent reporting correctly as it is listed as 90 days late but there arent any other indicators of late payments ( such as 30 days late, 60 days late etc ) prior to the 90 day late payment.

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