vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Company name : XXXX Date they first contacted me, by email : Tue, XXXX XXXX, 2024 XXXX XXXX Email sender : XXXX Regarding : A loan with Affirm was charged off in my name for XXXX ( this is a debt collector ) The address used for the loan : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX THIS IS NOT MY ADDRESS. NEVER WAS MY ADDRESS. HAS NO ASSOCIATION WITH ME. 

My response : I disputed the fraudulent loan. Here 's my full message to them : " '' '' I do not, nor have I ever, resided at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

I'm sure that if you contacted Affirm, they could verify that the information on the account at the time of applying to the debt was information that has never been connected to me in any way, except for the Social Security Number. 

Someone got ahold of my Affirm account, changed the email address and residential address, then applied for the loan. 

The loan application also went to some XXXX XXXX thing, which is likely just a front for other fraudulent activities. Affirm should have information on who exactly the money went to, but they did not release that information to me, so I can't even track down the vendor for a refund or cancellation or to report them for being involved in fraudulent activity. Affirm is effectively safeguarding criminals, from a layman 's point of view ( not a legal allegation, but I might go this route ). 

Affirm should also have other telemetry data to help track down exactly who defrauded me, but they did not release that information to me. I know they have this data, because to get the loan you have to digitally sign. 

I have filed a police report with my Sheriff 's department 2 weeks ago but am still waiting on a response and case number. 



PLEASE let me know what information or evidence I can provide that would be helpful in verifying whether or not this debt was actually made by me and not someone else. '' '' '' They responded by sending me a message saying " you disputed your account with Affirm , Inc. that has an outstanding balance of {$1400.00}. They've provided the validation documentation. '' They was apparently a file link to see it, but I never opened it, and now currently I can't because the link is deactivated. They provided this callback number : ( XXXX ) XXXX ( TTY XXXX ) They used this zip code for me : XXXX THIS ZIP CODE HAS NO ASSOCIATION WITH ME AND NEVER HAS BEEN ASSOCIATED WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has been repeatedly reporting incorrect account information to the credit bureaus regarding my personal credit card account ending in XXXX. 

Specifically, they are reporting the balance and transactions from my separate business credit card account ending in XXXX under my personal account, causing my personal credit utilization and score to be negatively impacted. 

This is a serious reporting error that appears to stem from a backend issue at Wells Fargo, possibly a data mismatch or account merge. 

I already disputed this through XXXX via XXXX XXXX, and the correction was briefly applied. However, the incorrect data reappeared the next day, suggesting that Wells Fargo is re-reporting inaccurate balances every cycle.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing XXXX XXXX XXXX XXXX accounts ( ending in XXXX and XXXX ) listed on my TransUnion credit report. These accounts are not mine, were previously removed, and have now been reinserted without any notice, which violates FCRA 1681i ( a ) ( 5 ) ( B ). 

Ive submitted police reports, FTC identity theft reports, and disputes to all major bureaus. XXXX  and XXXX  have removed these accounts. TransUnion is the only bureau still reporting them, despite clear evidence. 

These entries are fraudulent, duplicative, and must be immediately deleted under FCRA guidelines.

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 2025-05-18 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: IN

Complaint narrative:
Remove these inaccurate accounts from 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 explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against the Missouri Higher Education Loan Authority ( MOHELA ) for their gross mishandling of my federal student loan account, which has resulted in significant financial distress and a complete erosion of trust in their services. 

Loan Details : Servicer : MOHELA Account Number : XXXX  Monthly Payment : {$230.00} Total Paid to Date : {$4300.00} First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Issues Encountered : Loss of Account Access : Despite consistent monthly payments, I have been unable to access my account following MOHELA 's transition to a new platform. Despite providing all requested personal information, including my Social Security number, I have not been granted access to my account. 

Lack of Transparency : I am unable to view my loan balance, payment history, or any other account details. This lack of transparency is unacceptable, especially considering the substantial payments I have made. 

Security Concerns : The request to provide sensitive personal information, such as my Social Security number, to a new platform has raised serious security concerns. I am apprehensive about the potential misuse of my personal data.

Unresponsive Customer Service : Efforts to resolve these issues through MOHELA 's customer service have been met with inadequate responses and no tangible solutions.

Desired Resolution : Given the severity of these issues, I am requesting the following : Immediate Access : Restoration of access to my loan account, including all historical data and current balance.

Account Verification : Confirmation that all payments made have been accurately applied to my loan balance.

Security Assurance : Reassurance regarding the security of my personal information and steps taken to protect it. 

Loan Forgiveness Consideration : Given the mishandling of my account, I request consideration for loan forgiveness under applicable federal programs. 

I have documented all payments with MOHELA and am prepared to provide this information upon request. I trust that your office will take immediate action to address this matter and ensure that MOHELA is held accountable for their actions. 

Thank you for your attention to this urgent issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CL Holdings LLC
State: NC

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. XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXXXXXX XXXX  Account XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX U.S.C . 1681 Section 602 A, State I have the right to privacy.

15 U.S.C.1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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. This provision is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of data furnishers to ensure the accuracy of information they provide to consumer reporting agencies, according to legal information institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
I am submitting this statement in connection with an identity theft incident involving unauthorized credit card accounts fraudulently opened in my name. 
I did not authorize or open the credit card account ( s ) in question, nor have I ever had any knowledge, control, or benefit from the use of these accounts. I believe that my personal information was used without my permission to commit identity theft. As a result, I am requesting the immediate blocking or removal of all related credit card accounts and inquiries from my credit file, in accordance with 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ).

Under this federal law, I have the right to request that credit reporting agencies block any information that appears on my report as a result of identity theft, including fraudulent credit accounts. 

I am a victim of identity theft. There are two auto loans on my credit report that I did not apply for, authorize, or use. These accounts are fraudulent and do not belong to me.

In accordance with 15 U.S. Code 1681c2 ( Section 605B of the Fair Credit Reporting Act ), I am requesting that these fraudulent accounts be blocked or removed Bankruptcy A XXXX  XXXX bankruptcy ( Ref # : XXXX ) filed on XX/XX/year>, was added to my credit report. I never filed for bankruptcy and do not recognize this record. I believe this is an error or due to mistaken identity. 
I am requesting this information be blocked and removed under FCRA 605B, which provides the right to block fraudulent or inaccurate items from credit reports resulting from identity theft or misuse. 
Please assist in initiating this correction with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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 am submitting this statement in connection with an identity theft incident involving unauthorized credit card accounts fraudulently opened in my name. 
I did not authorize or open the credit card account ( s ) in question, nor have I ever had any knowledge, control, or benefit from the use of these accounts. I believe that my personal information was used without my permission to commit identity theft. As a result, I am requesting the immediate blocking or removal of all related credit card accounts and inquiries from my credit file, in accordance with 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ).

Under this federal law, I have the right to request that credit reporting agencies block any information that appears on my report as a result of identity theft, including fraudulent credit accounts. 

I am a victim of identity theft. There are two auto loans on my credit report that I did not apply for, authorize, or use. These accounts are fraudulent and do not belong to me.

In accordance with 15 U.S. Code 1681c2 ( Section 605B of the Fair Credit Reporting Act ), I am requesting that these fraudulent accounts be blocked or removed Bankruptcy A XXXX  XXXX bankruptcy ( Ref # : XXXX ) filed on XX/XX/year>, was added to my credit report. I never filed for bankruptcy and do not recognize this record. I believe this is an error or due to mistaken identity. 
I am requesting this information be blocked and removed under FCRA 605B, which provides the right to block fraudulent or inaccurate items from credit reports resulting from identity theft or misuse. 
Please assist in initiating this correction with the credit bureaus.

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 2025-05-18 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: TX

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 XXXX.\n \nAccount Name: XXXX XXXX #XXXX  - Date Opened XXXXXXXX \nAccount Name: UNKNOWN #XXXX  - Date Opened XXXXn \nAccount Name: UNKNOWN XXXX XXXX Date Opened XXXX \nUNAUTHORIZED INQUIRIES:\n \nXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
My credit and information was breached by a third party the company used

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Please see uploaded document pertaining to unfair debt collection by Southwest Credit Systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
My IRS federal refund in the amount of XXXX dollars was sent to my chime account XX/XX/XXXX,. The irs shared in the transaction up to five days. After the five day period I reached out to chime. Every agent I spoke to gave me a different story as to why my funds has not been received. They asked me to share documents from the irs, I did and then the process became redundant. Next the asked me to provide to provide a trace number. I called the irs for this information. They stated they do not have trace numbers and the account and reference number was sufficient. AT the moment they are no longer trying to assist me in recovering my funds. Also I would like to add when I spoke to the irs they confirmed all of my banking information, and the time my check was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Credit card company called me around XXXX to see about arranging payments to my card. I said I dont get paid until the following week and that I would call them. The following week around XXXX I called them to explain that the credit card went to the negative in payments because I became unemployed last year and i was pregnant and the person told me that I could make a XXXX time payment of XXXX dollars and that would settle the debt. I said okay. And I gave him my debit card number. They never charged me for it. So I waited all of XX/XX/year>. I checked my credit report and it shows that it went in the negative for late payment. I disputed the report saying that I was trying to settle the debt but the credit card company doesn't charge my debit card. This was in XXXX. Now a week ago I was debited XXXX dollars out of nowhere? I dont have the payment plan summary in the website to see when its supposed to be debited so that i can plan ahead. Of course it didn't go through because I hadn't gotten paid. So I wanted to call them on Monday XX/XX/XXXX but today on Sunday it showed that they put a derogatory potential negative mark on credit report and I'm left totally confused. Now I have to call them again all the while they are charging me late fre and interest and they dont even offer me thr credit line anymore. Im assuming they are going to close it hopefully I can make a call and they can honor any settlement. I just dont trust that they will debit when they should. I thought the account was closed so why are they still charging me fees?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-18 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 recently reviewed my credit report and found unauthorized charges that are negatively affecting my credit history. I am requesting that these charges be removed in accordance with the Fair Credit Reporting Act ( FCRA, Law 1681 ).

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