vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: EdFinancial Services
State: NY

Complaint narrative:
I first became aware of this incident yesterday, XX/XX/XXXX, by checking my credit report, to where I saw the name of this student loan servicer. My credit has sunk hundreds of points due to this. I have consistently paid bills my entire life. 

My phone number is on their record. Not once, did they call me regarding this payment. Not once did I receive an email to my personal email. I have requested this information, and they have refused to provide any documentation of this. 

When I spoke to a representative on the phone, they advised me that I was 191 days late. I explained the situation and he understood. The representative said that he, on behalf of the entire company, apologized for failing to provide proper notice. Therefore, he would move forward with a complete forbearance, due to this catastrophic mistake on their end, putting my payment due amount to XXXX XXXX and allowing me to start paying it in XXXX. he confirmed that not once, had they ever called my personal cell phone number, despite it being on record for a decade. 

However, he said he does not control the credit reporting, and advised me to make a compliant in relation to that matter. This is what I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint because there are several unauthorized negative accounts on my consumer report. After pulling my credit report i see so many negatives that are false and unrelating. I am asking for an investigation and validation of debt and for this to be removed from my account. These credit agencies ( Transunion, Experian, Equifax ) refuse to help me with due diligence. Please help. I have listed all the accounts here attached as well. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened : XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date OPENED : XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number XXXX Date opened : XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/year> Balance : {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint because there are several unauthorized negative accounts on my consumer report. After pulling my credit report i see so many negatives that are false and unrelating. I am asking for an investigation and validation of debt and for this to be removed from my account. These credit agencies ( Transunion, Experian, Equifax ) refuse to help me with due diligence. Please help. I have listed all the accounts here attached as well. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened : XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date OPENED : XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number XXXX Date opened : XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/year> Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WI

Complaint narrative:
I have XXXX stored on Cash App. They are imposing arbitrary and restrictive withdrawal limits, allowing only {$2000.00} per day or {$5000.00} per week to be transferred off-platform. On XXXX, I reached out with concerns on locking up my money for 20 weeks and offered to comply with any necessary additional information I could provide. I am a fully verified user with no suspicious activity on my account, yet I am being forced to wait nearly 20 weeks to regain access to my full balance in XXXX. When asked about this, cash app stated they could not change this policy or accommodate an exception. 

To make matters worse, since depositing the funds, Cash App has substantially increased the fees associated with converting XXXX back to USD. These new sell fees were not in place when I originally deposited my XXXX, and there was no notice or meaningful opportunity to act before they took effect. Now, if I choose to sell to escape the withdrawal limitations, I face unfair, inflated fees that materially affect my outcome. Even if I sell, I can't withdraw that fiat currency in mass, I would need to make numerous transactions over weeks to get my cash out.

This puts me in a financial bind : either I wait many weeks to withdraw my funds in small pieces, or I accept newly raised sell fees I did not agree to when I funded my account. This feels like bait-and-switch behavior, where a platform entices deposits under one set of conditions, and then changes the rules midstream to the user 's detriment.

I believe Cash App is engaging in unfair and deceptive business practices by : Misleading users about their ability to freely access or transfer their XXXX, Failing to clearly disclose these severe withdrawal limitations, And increasing sell fees in a way that coerces users into selling at a disadvantage. 

I am requesting that the CFPB investigate this matter and require Cash App to : Lift or significantly raise withdrawal limits for verified users, Honor prior fee structures for funds deposited before the fee hike, or Provide compensation to users materially harmed by this combination of restrictive limits and elevated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/year>, I parked at the Merchants parking lot in XXXX, NC, where the posted rate was {$4.00} for the duration of my stay. However, I was charged {$10.00}, which is {$6.00} more than the posted and agreed-upon rate. I evidenced this discharge by submitting signage of the posted rate.

I reported this billing error under 15 U.S. Code 1666 ( b ) ( 3 ) to Goldman Sachs.

Goldman Sachs violated 15 U.S. Code 1666 ( a ) when it failed to : 1. Conduct a reasonable investigation, and 2. ( a ) Either correct the billing error or ( b ) provide a substantive explanation with supporting documentation.

Instead, Goldman Sachs denied my dispute without even a response from the merchant. The sole reason was based on available information, we determined the merchant charged you for the agreed upon amount. However, for what information Goldman Sachs based its decision I received only three months of statements.

The law required more of Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
Dear CFPB Officer, I am writing to formally submit a complaint concerning unresolved fraudulent activity on my credit report as a result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission, and I am including that documentation with this complaint.

Despite having submitted all required supporting materialsincluding my FTC Identity Theft Report, proof of identity, and proof of addressto the credit reporting agencies and relevant data furnishers, the fraudulent information has not been fully removed. This failure constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations : The following provisions of the FCRA are applicable and have likely been violated : 15 U.S.C. 1681c2 ( a ) : Requires credit bureaus to block identity theft-related information upon receipt of an identity theft report and proper documentation.

15 U.S.C. 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681s2 ( b ) : Requires data furnishers to conduct a proper investigation and correct or delete inaccurate information after being notified of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notice within five business days of any reinsertion of previously deleted data.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau take the following actions : 1. Order the permanent deletion of all fraudulent accounts, inquiries, and associated personal information from my credit reports.

2. Ensure written confirmation from each credit reporting agency reflecting these deletions and an updated copy of my credit report.

3. Investigate data furnishers and credit bureaus for noncompliance with FCRA obligations.

4. Prohibit reinsertion of fraudulent data without full legal compliance, including certification and written notice.

5. Recommend 12 months of free credit monitoring to mitigate ongoing risk due to this identity theft.

6. Pursue enforcement or civil penalties under FCRA 1681n and 1681o if any party willfully or negligently violated my rights.

Attached to this complaint are : FTC Identity Theft Report ( ID : XXXX ) Government-issued identification Proof of current address Copies of any relevant correspondence I appreciate your immediate attention to this matter and look forward to your assistance in resolving this issue and restoring the integrity of my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
Dear CFPB Officer, I am writing to formally submit a complaint concerning unresolved fraudulent activity on my credit report as a result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission, and I am including that documentation with this complaint.

Despite having submitted all required supporting materialsincluding my FTC Identity Theft Report, proof of identity, and proof of addressto the credit reporting agencies and relevant data furnishers, the fraudulent information has not been fully removed. This failure constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations : The following provisions of the FCRA are applicable and have likely been violated : 15 U.S.C. 1681c2 ( a ) : Requires credit bureaus to block identity theft-related information upon receipt of an identity theft report and proper documentation.

15 U.S.C. 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681s2 ( b ) : Requires data furnishers to conduct a proper investigation and correct or delete inaccurate information after being notified of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notice within five business days of any reinsertion of previously deleted data.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau take the following actions : 1. Order the permanent deletion of all fraudulent accounts, inquiries, and associated personal information from my credit reports.

2. Ensure written confirmation from each credit reporting agency reflecting these deletions and an updated copy of my credit report.

3. Investigate data furnishers and credit bureaus for noncompliance with FCRA obligations.

4. Prohibit reinsertion of fraudulent data without full legal compliance, including certification and written notice.

5. Recommend 12 months of free credit monitoring to mitigate ongoing risk due to this identity theft.

6. Pursue enforcement or civil penalties under FCRA 1681n and 1681o if any party willfully or negligently violated my rights.

Attached to this complaint are : FTC Identity Theft Report ( ID : XXXX ) Government-issued identification Proof of current address Copies of any relevant correspondence I appreciate your immediate attention to this matter and look forward to your assistance in resolving this issue and restoring the integrity of my credit file. 

Sincerely, 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. I previously submitted a valid identity theft report to Equifax, Experian, and TransUnion, along with copies of my government-issued ID, Social Security card XXXX and a written statement identifying XXXX unauthorized accounts that were fraudulently opened in my name including a XXXX credit card. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report to a credit bureau , the bureau is legally required to block and remove the fraudulent information from the credit report within XXXX business days. Despite fulfilling this requirement, all three credit bureaus have failed to remove the XXXX account from my credit reports, even though it was specifically listed in my identity theft report and should have been treated as unauthorized. 

The account was not opened or authorized by me. I never applied for it, never agreed to its terms, and did not benefit from its use. The bureaus failure to act in accordance with the law has caused unnecessary and ongoing damage to my creditworthiness and has delayed my ability to move forward financially. Ive acted in good faith by complying with the legal process for disputing identity theft-related accounts, and now I am being forced to escalate the matter because the credit bureaus are noncompliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
A purchase was made at XXXX XXXX XXXX XXXX using my credit card, phone number, and email address. Someone, who was not me, picked up a pair of shoes. The receipt was emailed to me. They also tried to order packaged goods from XXXX but I was able to cancel this charge before they picked the goods up. XXXX, and XXXX XXXX, initially credited me for the charge at XXXX XXXX XXXX XXXX on XX/XX/year> for {$110.00} but reversed the decision. They are saying I benefitted from the purchase but I did not. I called them XXXX  times to discuss the matter and was met with " they wont refund this. the business got their money. '' the last time I called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing regarding an auto debt that you claim I owe. I request that you provide me with an assignment contract and forward flow of agreement for this debt in order to verify the validity of your claim. 

Furthermore, I am requesting a full payment ledger for the loan that allegedly began in XX/XX/2020. This ledger should support the beginning balance of {$13000.00} and the ending balance of {$11000.00} that you have indicated. The previous ledger that your company provided is both insufficient and inaccurate. It is imperative that I have access to this information to ensure that all charges and payments are accurately reflected.I am not requesting a contract nor sales agreement please provide the requested documents and those documents only. 

I take this matter very seriously and expect full cooperation from your company in providing the necessary documentation. Please respond to this request promptly to avoid any further delays in resolving this issue. 

Thank you for your attention to this matter. I look forward to receiving the requested documents at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit Card Account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be deleted from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit Card Account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be deleted from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. I previously submitted a valid identity theft report to Equifax, Experian, and TransUnion, along with copies of my government-issued ID, Social Security card XXXX and a written statement identifying XXXX unauthorized accounts that were fraudulently opened in my name including a XXXX credit card. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report to a credit bureau , the bureau is legally required to block and remove the fraudulent information from the credit report within XXXX business days. Despite fulfilling this requirement, all three credit bureaus have failed to remove the XXXX account from my credit reports, even though it was specifically listed in my identity theft report and should have been treated as unauthorized. 

The account was not opened or authorized by me. I never applied for it, never agreed to its terms, and did not benefit from its use. The bureaus failure to act in accordance with the law has caused unnecessary and ongoing damage to my creditworthiness and has delayed my ability to move forward financially. Ive acted in good faith by complying with the legal process for disputing identity theft-related accounts, and now I am being forced to escalate the matter because the credit bureaus are noncompliant with federal law.

Company response to consumer: Closed with explanation