vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
Dear sir, madam My name is XXXX XXXX, I live at : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
My mortgage company sold my mortgage to another company, which is common. 
The new mortgage company charged me XXXX months at a time, in the amount of {$8700.00}. On XX/XX/year> On XXXX first they charged me 2 months in the amount of {$4300.00} On XXXX the charged {$2100.00} The overcharge on XX/XX/XXXX and XX/XX/XXXX happened without my authorization The total of overcharge is {$13000.00} I called the company several times without avail, they bundle me from a representative to another. The last time I had to speak to XXXX representative in the same phone call, everyone is manipulative On XX/XX/XXXX they charged XXXX monthly payment in the amount of {$2200.00}, which is the right amount for a monthly payment, but without returning the 5 month overcharged they ask me to send an email to them requesting the return of overcharged money. I did send the email in the same day and they affirm receiving it. 
I request the return if the overcharged money mentioned above Last week they called me and assured me that a XXXX will come to me with the amount that has been overpaid. Nothing returned yet

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: IL

Complaint narrative:
So Ive been using cash app for years so since about XXXX of 2024 Ive been getting charged twice for every purchase I made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX 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
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comentiy Bank provides relatively large amounts of available credit but has policies that will freeze the available credit for purchases. Specifically, my Comenity Bank credit card has an available credit limit of {$12000.00}. The total used balance on the credit card was {$5200.00}. A payment was processed by the consumer to payoff the {$5200.00} balance. The Comentiy Bank policy is that any payment OVER {$500.00} will freeze all of the available credit on the credit card making using the credit card useless until the payment clears the bank making the payment. Comenity Bank indicates that the payment clearing process can take anywhere from XXXX XXXX XXXX days. This means that this credit card will hold your available credit XXXX for XXXX XXXX days for making payments to them. In my specific situation, I was trying to make an additional purchase of {$4500.00} which is now held in limbo and the vendor is not allowing the purchase until the credit card releases the credit in XXXX XXXX XXXX days. As you can XXXX, if you need to make an important purchase like purchasing a vehicle this can become not only impossible but embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( s ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

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 2025-05-14 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: FL

Complaint narrative:
I am disputing the inaccurate reporting of a charge off for XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) with a reported balance of {$3700.00} on both my TransUnion and Experian credit reports, along with a hard inquiry dated XX/XX/year> on my Experian credit report. This account has been reported as charged off, yet the balance remains listed, which is misleading and inconsistent with the nature of a charge off, which typically indicates a debt has been written off as uncollectible. Reporting a charge off with a balance creates a false impression of my financial responsibility, potentially damaging my creditworthiness and financial reputation. Additionally, the hard inquiry from the same creditor raises further concerns about the accuracy and legitimacy of the information being reported. 

Given the sensitive nature of my financial data, I suspect these errors may be linked to a data breach or administrative oversight, compromising the accuracy of my account records. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), data furnishers have a legal obligation to report accurate, complete, and verifiable information to the credit bureaus. Inaccurately reporting a charge off with a balance, along with potentially unauthorized inquiries, violates these requirements and exposes the data furnisher and credit bureaus to potential legal consequences under 15 U.S.C. 1681n. This misreporting has already caused significant harm to my credit score, limiting my access to fair financial opportunities and unjustly impacting my financial stability.

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 2025-05-14 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: ME

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CO

Complaint narrative:
b'I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING.\n\nAccount Name: XXXX XXXX - Date Opened XXXXn\nAccount NameXXXX XXXX XXXX XXXX XXXX  - Date Opened 1XXXX\n\nAccount Name: XXXX XXXX - Date Opened XXXX\n\nUNAUTHORIZED INQUIRIES:\n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-14 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: GA

Complaint narrative:
SEE ATTACHED NOTES According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report.

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 2025-05-14 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: GA

Complaint narrative:
SEE ATTACHED NOTES According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( s ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

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 2025-05-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following Closed accounts must be removed immediately : XXXX Opened Date : XXXX XXXX Closed Date : XX/XX/XXXX XXXX Opened Date : XXXX XXXX Closed Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following Closed accounts must be removed immediately : XXXX Opened Date : XXXX XXXX Closed Date : XX/XX/XXXX XXXX Opened Date : XXXX XXXX Closed Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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 non-monetary relief