vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
This was apart of a debt repayment program. Debt payment was completed as agreed. After debt was paid they charged the card and never notified me. Now it is showing as past due on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
We refinanced this loan and a check was mailed to Ally. Ally received the check on XX/XX/XXXX ( proof via certified mail ). We waited one week and contacted them. They stated at that time that they had 7-10 business days to cash the check. We waited until after 10 business days and contacted them again. At this time they again stated that they had an additional 7-10 days to cash the check. We now have the same money financed through two different banks and are paying interest on the same money to two different institutions. The customer service at Ally is extremely rude and unhelpful every time we have had to speak with them. They refuse to do anything to help fix the issue even though they have verified that they have the check in their possession. This seems like a scheme to collect more interest as we had paid our loan ahead significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for my mom XXXX XXXX as well me and her submitted a request though portal last week for a copy of our records reports by portal requesting it to be send to me we didnt get it yet by email please send it to us by email for my email is XXXX and her email is XXXX and my ssn is XXXX and her ssn is XXXX and our address is XXXX XXXX XXXX XXXX Pennsylvania XXXX and XXXX number is for both parties is XXXX please email it to us or upload it to cfbp case for both parties etc. But for me XXXX XXXX she already got her report by email last week but for XXXX XXXX I still need it by email please email it to me and also XXXX XXXX need a update on yall XXXX XXXX XXXX dispute if yall got it or not and what is the update and status of it and XXXX need his XXXX XXXX report be send to his email etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Elan Financial Services, the issuer of the XXXX XXXX XXXX XXXX XXXX, for engaging in what I believe is an unfair and potentially abusive credit practice that has caused me immediate financial harm and put my credit profile at risk. 

Summary of the Complaint : On XX/XX/year>, Elan Financial Services unilaterally reduced my credit line to exactly match my current balance, which caused my credit utilization ratio to spike to XXXX %. This action was taken without prior notice, justification, or any negative activity on my account. 

I have never missed a payment. 

I have maintained a consistent payment history. 

My credit standing and income situation have not changed to justify this punitive action. 

Impact : As a result of this abrupt credit limit reduction : My credit utilization ratio increased drastically, posing a severe risk to my credit score.

The action eliminated all available credit on this account, despite my account being in good standing.

No meaningful explanation or resolution was offered when I spoke to a manager from Elan Cardmember Services. 

This has caused emotional stress, financial uncertainty, and potential long-term credit harm. 

Request for CFPB Assistance : I believe Elan Financial Services may be in violation of fair lending and responsible credit management standards. Specifically, I request the CFPB to : Investigate the business practice of reducing credit limits to match outstanding balances without cause. 

Determine whether such actions violate UDAAP provisions ( Unfair, Deceptive, or Abusive Acts or Practices ) under Dodd-Frank .

Encourage Elan Financial Services to restore my previous credit limit or raise it to a level that reflects fair and responsible credit usage. 

Require the company to correct any negative impact to my credit report resulting from their actions. 

I am submitting this complaint in good faith and with the hope that the CFPB will advocate for fair treatment of consumers like myself, who use credit responsibly and deserve transparent and equitable treatment from financial institutions. 

Thank you for your attention to this matter.

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 2025-05-12 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-12 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-12 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: OK

Complaint narrative:
I canceled my XXXX XXXX service on XX/XX/year>, and all payments were current at that time. Despite this, I received a collection notice from XXXX XXXX  for a {$100.00} charge for the billing period XX/XX/year> XX/XX/year> a full month after cancellation. 

On XX/XX/year>, I formally disputed the debt in writing and requested validation via email to XXXX XXXX compliance address. I asked for five specific items : an itemized breakdown of charges, data usage logs for XX/XX/year>, a final billing statement, proof of any post-cancellation obligation, and proof of their legal right to collect. I received no response. 

Despite my timely dispute, XXXX XXXX reported this alleged debt to the credit bureaus, which violates the FDCPA ( 15 USC 1692g ( b ) ) and the FCRA ( 15 USC 1681s-2 ). This is inaccurate, harmful, and unlawful. 

I am requesting immediate removal of this debt from my credit reports and an investigation into the practices of both XXXX XXXX and 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 2025-05-12 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$480.00} INQUIRIES : 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 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 2025-05-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have inquiries on my consumer report from companies that I did not authorize to pull my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally complain about a significant loophole in peer-to-peer payment platforms, specifically Zelle, that allows funds to be sent to unintended recipients who then keep the money, leaving consumers like myself with no recourse or compensation. 
Despite reporting the error and providing ample evidence, XXXX XXXX and Zelle refused to assist or recover my funds. This is part of a widespread issue : hundreds of thousands of consumers have lost over {$870.00} XXXX due to fraud and errors on Zelle, and most have been denied help or reimbursement, even when complaints were promptly filed. The banks and Zelle have failed to implement proper safeguards and have not provided the legally required investigations or refunds, as outlined in the Electronic Fund Transfer Act ( EFTA ). 
The CFPBs own lawsuit against Zelle and its partner banks highlights these failures, alleging that they did not protect consumers or provide redress for fraud and errors, and in many cases, left victims to fend for themselves. The banks were fully capable of reversing transactions but chose not to, prioritizing their interests over consumer protection. 
I am requesting that the CFPB ensure I am fully compensated for my loss, consistent with the relief sought in the lawsuit against Zelle and its partner banks. I also urge the CFPB to require Zelle and participating banks to implement robust error resolution and consumer reimbursement protocols to prevent others from suffering similar harm. 
Thank you for your attention to this urgent consumer protection issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: I.C. System, Inc.
State: MO

Complaint narrative:
Accounts were reported on my credit report that i have absolutely no knowledge of. I dont even know where they came from and it is illegal to report things on my credit that do not belong to me

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Years ago, I cant recall the exact date as its been a while, I called Wells Fargo bank and requested that my credit card monthly payment be withdrawn automatically from my checking account. The representative set it up and it was take out monthly. About 3 months ago I called the bank to inquire why the debt had not been paid off since I am not using the card, especially considering that I just paid off a different card that I owed over $ XXXX more than I did on my WF card. When I looked at one of my statements, which I never do since it was set up for automatic payment, it said that o was being charged for cash withdrawal interest. When I asked the WF representative how long had they been doing this she said : from the beginning, when it was posted it seemed it like they posted it as a transfer from checking to credit card instead of an automated monthly payment. I was transferred from representative to representative but not helped so I called again a couple of weeks after and given the run around again so I went to a branch in town. Talked to a manager who said she couldnt look at statements more than two years back but that it was impossible they would do that. I requested that someone from the credit card department who could look at the statements that far back, since I cant look at them either, would please call me and let me know if the representative actually did set it up as a transfer from checking to credit card instead of an automated payment. As of today no one has reached out to me but they did mess up my credit since they reported me for a late payment even though they have not tried to fix this situation. Please help.

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 2025-05-12 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: AK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I have contacted each bureau via phone and was informed that I needed to complete the attached document, a report on identitytheft.gov, in the way it has been completed, and to attach it here in order to resolve the listed accounts.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX - Central Portfolio opened collection account for {$960.00}. XX/XX/XXXX it appears on my XXXX credit report, damaging my credit. My understanding is medical debt collection is not to appear on credit reports. I received no written notice of this collection with this company, I may have received a text but I delete anything that appears to be spam. I knew of nothing until it hit my credit report on XX/XX/XXXX. I contacted Central Portfolio on XX/XX/XXXX to notify them this is not allowed but did not agree to remove. 

Since XX/XX/XXXX I have been attempting to resolve the {$960.00} with the hospital. Even though good faith payments were being made waiting for them, the debt was sent to a different collection agency ( XXXX ) XX/XX/XXXX and was recalled by the hospital in XX/XX/XXXX. Appears the collection was then transferred to Central Portfolio. A verbal agreement was made with the hospital in XX/XX/XXXX that I will pay {$630.00} but they needed to recall the collection and apply a credit applied to another account. I am working with hospital to resolve this as this has been in their court since XX/XX/XXXX. I have had several conversations with hospital last few days to request resolution so I can make final payment. 

My immediate concern is with Central Portfolio as this collection is not supposed to be reported to credit agencies. This has damaged my credit rating, dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief