vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: KY

Complaint narrative:
I have contacted TitleLoanFast.com about a loan, I have. Title Loan Fast agreed to a settlement amount for the loan so they can release the title. I have tried contacting them multiple times to pay the settlement amount, but now they will not respond to my calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
I saw charges on my account for return check fee. XXXX for payments that didn't go through. I called and asked and they have no idea why all of a sudden my payments weren't going through. I asked them to remove the fees and they had me remove and add my account information again. I did and sent in payment. They refuse to credit back the return fee and now are charging a XXXX monthly fee. High interest rate. Now I can only pay by debit card and they want to charge a XXXX XXXX fee fkr that. I'm don't dealing with them. They will not help me fix it they blame.me and my bank wells fargo. Company is verve XXXX or continental finance. I can not reduce my balance as they stack everything they can to make sure it stays at mixed out. What can I do other than stop paying and hope it doesn't XXXX me already weekend credit as it was to help repair my credit until XXXX  happened and like most I had to use it.

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 2025-03-12 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:
XXXX XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Medical Bill opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan Opened at XXXX on XX/XX/XXXX account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consume credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 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: NY

Complaint narrative:
I discovered this account on being reported on my credit reports from XXXX XXXX and Experian. I sent dispute letters to all credit bureaus, in response XXXX and XXXX both deleted this credit card from my credit report yet Experian validated. Due to validation I called XXXX several times and was repeated informed that there was no credit card found under my name or my ssn. I disputed this again to Experian and it continues to be reported to my credit report. This account is being reported on my Experian credit report as XXXX balance {$960.00} partial account number XXXX showing being opened in XX/XX/XXXX, XXXX Credit limite of {$1000.00}. I do not have any recollection of ever opening this account, even XXXX doesn't have this information in their system under my name. Attached is my last credit report, its on page 4

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing 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 Fraud 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 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
I emailed Dave on XXXX requesting to revoke my ACH authorization. They never responded, and debited my account today, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Notice to Agent is notice to principal ; notice to principal is notice to agent. 
I have received a copy of my consumer reports and I notice you have furnished transactions as Late on my consumer report. A creditor can only treat a payment as Late when they meet all the requirements of

15 USC 1666b. 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. 
The account/s you { TransUnion, XXXX, XXXX } list with Late Payment : Creditor Name | Account Number | Late Payment Date | is inaccurate and incomplete. Delete the following Late Payments from my account. 
TransUnion 1. XXXX XXXX XXXX XXXX XXXX | Reported late 2. XXXX XXXX | XXXX | Reported late 3. XXXX XXXX | XXXX | Reported late 4. XXXX | XXXX | Reported late XXXX 1. XXXX XXXX | XXXX | Reported late 2. XXXX Bank XXXXXXXX | XXXX | Reported late 3. XXXX XXXX  XXXX XXXX | Reported late 4. XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX | Reported late XXXX 1 XXXX XXXX XXXX Bank XXXXXXXX XXXX | XXXX | Reported late 2. XXXX XXXXXXXX Bank  XXXX XXXX | XXXX | Reported late 3. XXXX Bank | XXXX | Reported late 4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported late 5. XXXX XXXXXXXX Bank XXXX XXXX XXXX Reported late 6. XXXX  XXXX Bank | XXXX XXXX Reported late Yours truly, XXXX XXXX Attached : Copy of ID and Utility Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Notice to Agent is notice to principal ; notice to principal is notice to agent. 
I have received a copy of my consumer reports and I notice you have furnished transactions as Late on my consumer report. A creditor can only treat a payment as Late when they meet all the requirements of

15 USC 1666b. 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. 
The account/s you { TransUnion, XXXX, XXXX } list with Late Payment : Creditor Name | Account Number | Late Payment Date | is inaccurate and incomplete. Delete the following Late Payments from my account. 
TransUnion 1. XXXX XXXX XXXX XXXX XXXX | Reported late 2. XXXX XXXX | XXXX | Reported late 3. XXXX XXXX | XXXX | Reported late 4. XXXX | XXXX | Reported late XXXX 1. XXXX XXXX | XXXX | Reported late 2. XXXX Bank XXXXXXXX | XXXX | Reported late 3. XXXX XXXX  XXXX XXXX | Reported late 4. XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX | Reported late XXXX 1 XXXX XXXX XXXX Bank XXXXXXXX XXXX | XXXX | Reported late 2. XXXX XXXXXXXX Bank  XXXX XXXX | XXXX | Reported late 3. XXXX Bank | XXXX | Reported late 4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported late 5. XXXX XXXXXXXX Bank XXXX XXXX XXXX Reported late 6. XXXX  XXXX Bank | XXXX XXXX Reported late Yours truly, XXXX XXXX Attached : Copy of ID and Utility Bill

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 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Number : XXXX Attn XXXX XXXX XXXX XXXX  **NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT** I have received a presentment from an agent on your behalf regarding a legal Action. I am hereby requesting in good faith a copy of the required documents that you filed by law pursuant to the Consumer Credit Fairness Act, that substantiates your claim on the matter. Specifically, I am requesting documentation related to the account listed as XXXX, Account Number : XXXX, which is reported as transferred and charged-off as of XX/XX/XXXX, with remarks indicating " Transferred to Another Lender ; Paid in Full/Was a Charge Off, '' closed on XX/XX/XXXX, and estimated for removal from my credit report by XX/XX/XXXX. 

Send copies of the following : The complaint filed by the creditors attorney to commence an action based on a consumer credit transaction will need to have attached to it : i ) copy of the underlying contract/loan agreement or the charge-off statement if a cause of action is based on a defaulted credit card, ii ) provide the last four digits of the account number, iii ) the date and amount of last payment, iv ) the name of the original creditor, and v ) an itemization of the amount claimed to be due broken down into principal, finance charges, fees, and costs.

Requesting My Additional notice that was sent to the clerk : For any action based on a consumer credit transaction, after an action has been commenced and service effected, an additional notice in XXXX and XXXX must be prepared by the creditors attorney and sent to the clerk of the court with a postage-paid envelope addressed to the consumer at the address where the summons and complaint were served. 

Yours Truly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
Subject : Urgent Complaint Regarding Fraudulent Credit Card Account Reporting To Whom It May Concern, I am filing a formal complaint regarding a fraudulent credit card account that continues to appear on my XXXX, XXXX, and Equifax XXXX reports despite previous disputes and removals. 

Fraudulent Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed ( but still negatively impacting my credit report ) I previously disputed this account, and it was supposed to be removed in XXXX and again in XXXX. However, despite these prior corrections, the account remains on my credit report, continuing to cause financial harm. 

Additionally, my personal data was compromised in the XXXX Equifax data breach, which has led to ongoing financial security issues. My bank account has also been affected, further demonstrating the impact of this fraudulent activity.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called and reported identity theft with the company they said they will take it off and never did. THERE IS NO PAYMENT HISTORY FOR THIS ACCOUNT UNAUTHORIZED CHARGES. On MY EXPERIAN ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year> I made more than XXXX attempts to get honest, satisfactory response as to why the advertised interest rate of XXXX  % that I am entitled to was not paid. I got various non- responses that constitute fraud on the part of Block , Inc. dba CashApp. Ref CashTag XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MOHELA
State: OH

Complaint narrative:
I submitted a student loan payment of {$5400.00} to MOHELA which was taken out of my bank account on XX/XX/XXXX. It has been over 9 months and this payment has still not been posted to my account. I submitted a copy of the bank statement showing where this amount was withdrawn from my account to MOHELA. I have been on hold with them for 3 hours on the phone today. 

MOHELA 's most recent response to me on XX/XX/XXXX was " We apologize for any inconvenience. Our records indicate a request was submitted on XX/XX/XXXX to research and review your payment. Processing time can take up to 90 business days. Please allow time for processing this request. Continue to monitor your account for updates and correspondence. We appreciate your patience during this time. '' I sent them another follow up email on XX/XX/XXXX with no response. It has been over 90 business days since XX/XX/XXXX. 

I contacted the Department of Education on XX/XX/XXXX regarding this issue, still with no resolution. Their response was " A payment in the amount of {$5400.00} was received on XX/XX/XXXX. Payments take 2-4 business days to process and post to the account. Unfortunately, your account transitioned to MOHELAs new servicing platform before the payment could post. The payment will be transferred to the new platform, however ; it can take up to 90 days. The payment will post on the account with the same day it was received. A request was submitted to have your payment expedited and posted to your account. To view the payment details login to your website and select Payments & Billing and then Account History. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I reached out to AMAHERCOLLECTIONSERVICES via email regarding a verification of debt letter. However, I have not received any response or verifiable information in return. I contacted them XXXX XXXX after seeing the collection on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
The company is trying to collect a debt that is not owed.

Company response to consumer: Closed with non-monetary relief