vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act account XXXX XXXX has violated my rights. 
15u.s.c 1681 section 602A. states i have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Issue Type : Bank account or service Fraud or scam Financial Institution : Truist Bank Complaint : I was the victim of a sophisticated scam where a fraudster called me using Truists actual customer service number ( spoofed ) and pretended to be a representative from Truist. They claimed there was suspicious activity on my account and told me to send funds through XXXX XXXX to verify and secure my account. 

I later realized it was a scam and submitted a claim to Truist. Despite this being a clear case of impersonation and social engineering, I am concerned I may not be reimbursed because I technically authorized the transaction. 

This wasnt a simple error it was a scam based on deception and abuse of trust in Truists phone line. Im requesting the CFPB ensure Truist fairly investigates and supports scam victims like me.

Amount lost : {$4800.00} Claim reference : 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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Multiple inquiries from unknown sources. 
Some private information was wrongly reported Private information has been compromised Disputes are not being handled or properly communicated or removed as requested

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid off my loan with company wilshire consumer credit early XXXX. I've been calling them regarding my title and when I should expect to receive it. At first they would say there was hold cause I paid loan in big amount then they said 2 weeks. Then 30 days. Then 60. Every time I call date information changes regarding expected day I should get my title loan. No clear date is given. I've asked to speak to supervisor and I have gotten no call back. No email. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$7900.00} XXXX XXXXXXXX XX/XX/XXXX {$4500.00} XXXXXXXX XXXXXXXX XX/XX/XXXX {$8300.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Fraud happened and I was able to back it with all the proof they asked for and chime denied all my claims and are closing my account. They owe me XXXX from the fraud and they wont pay. XXXX XXXX found in my favor of the fraud and said they are trying to work with chime and now chime keeps hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I received a call from what I now know was a fake USAA, informing me that my identity had been stolen. They asked me to verify my account number, which they already had, and I confirmed it as correct. The individual on the phone then tried to convince me to send a loan company XXXX XXXX dollars for a loan that was taken under my name. I hung up the phone as soon as I heard that the transaction must be done via XXXX XXXX. I also knew USAA will never call customers and ask for account information. 
A few minutes passed and my phone was buffering and lagging more than usual. I reset my phone hoping that would fix the issue. As it turned back on, I had a weird feeling and decided to check my bank account. This is when I saw that everything I had was gone. A transaction was pending from my bank account to my XXXX XXXX XXXX and from there to an unknown debit card. I immediately called USAA about the incident and filed a dispute. When I filed the dispute I saw XXXX other disputed transactions on that screen through my USAA XXXX app : an XXXX XXXX XXXX monthly bill and a XXXX XXXX XXXX payment. These disputes had not been filed by myself and were initiated without my approval. I was informed by the fraud department oXXXX USAA that an investigation of the incident had been started, and to wait for further updates. Following the phone call I filed a police report with XXXX police department about the entire situation. I have attached the report to this letter ( REPORT NUMBER : XXXX ). I also have attached a timeline of the events. 

On XX/XX/year>, I received a letter from USAA, informing me that they have found my case to be non-fraudulent, I immediately called USAA on needing more explanation on how & why did this conclusion came to this. As I was talking to the rep of USAA fraud department, he was having a hard time explaining why the case was considered to be non-fraudulent, he also informed me that the documents I have sent them was not found, as I have screen shots of my case documents being sent to USAA. I resent all my evidence/ documents to USAA XXXX waiting or them to open my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an unresolved issue with a collection account being reported by SOURCE RECEIVABLES MNGMN, allegedly on behalf of XXXX XXXX XXXX XXXX which is negatively impacting my credit reports. 

Issue Summary : Account Name : SOURCE RECEIVABLES MNGMN Original Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX Balance : {$300.00} Date Opened : XX/XX/year>2025 Reporting on : XXXX and XXXX No prior validation received This account was added to my credit reports without my knowledge or any prior communication. I only became aware of its existence after reviewing my reports in XX/XX/scrub> 2025. Per my rights under the Fair Credit Reporting Act ( FCRA ) and Section 609, I submitted disputes to both XXXX and XXXX, requesting verification of the account, including : A signed contract obligating me to the alleged debt An itemized payment history The name and licensing information of the debt collector Confirmation that the account is being reported in compliance with Metro 2 standards Additionally, I sent a written request for validation directly to SOURCE RECEIVABLES MNGMN, but to this day, I have not received any correspondence, proof of debt, or verification of the information they are reporting.

Despite my repeated attempts to resolve this matter through proper channels, the account remains on my credit report, unvalidated and potentially in violation of both FCRA and Metro 2 compliance standards.

I have not received a debt validation notice as required by 15 U.S. Code 1692g ( FDCPA ) The credit bureaus have yet to provide documentation verifying the debt The data furnisher has not responded to my validation request The account may be inaccurately reported and improperly formatted under Metro 2 guidelines I am requesting that the CFPB initiate an investigation into this matter and hold both the data furnisher and credit bureaus accountable for their failure to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Showing multiple times on report for the same account, incorrect balance, inaccurate date. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported.

Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation