vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
Unauthorized inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I transfered XXXX to a friend in XXXX and the transfer initated on XX/XX/year>. it said XXXX minutes. Still has not been delivered. Contacted everyday since and said to wait 24-48 hours. they sent inquiry but no response. Still money has not been delivered and ask for cancellation but they want to wait till Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
They written the account off but didnt provide me a 1099-C form

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
i have been trying to get in contact with loancare since yesterday around XXXX due to me trying to get access to my account and it is reporting that i am restricted from my access and to contact customer service. when i call the number listed on both their website and my statement it hangs up on me. ive called multiple times during their quoted available service times. i waited till saturday when they werent going through since they are also listed as available between XXXX and still getting the same problem where i can not get in contact with a human. ive tried emailing, which that bounced, i tried another number i found online, that went right to voicemail. im literally left with no answers and no option to gain access to my account. i need to pay my bill and they are not assisting me in any way

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 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: DC

Complaint narrative:
Unauthorized Withdrawal and Violation of XXXX  Automatic Stay I am submitting this complaint regarding an unauthorized withdrawal from my Cash App account and Cash Apps failure to comply with federal XXXX  protections. Their actions have caused financial harm and emotional distress during an already vulnerable time. 

Details of the Incident XXXX XXXX XXXX Filing Date XXXX XXXXXX/XX/year> ( XXXX  XXXX ) Maryland ( XXXX ) XXXX XXXXXXXX - Deposit Date : XX/XX/year> - Deposit Amount : {$780.00} - Unauthorized Deduction : {$740.00} - Cash App Account XXXX XXXX XXXXXXXX On XX/XX/year>, Cash App received a deposit of {$780.00} into my account. Without my authorization, Cash App immediately deducted {$740.00}. Before this incident, Cash Apps interface consistently displayed a XXXX button when funds were available in my account. The app displayed the XXXX button as usual, indicating that the funds were accessible and under my control. At no point was I warned that the funds would be seized or that they were subject to any offset. 
This visual cue reinforced my reasonable expectation that the funds were mine to use. The subsequent withdrawal of {$740.00} - without notice, consent, or any visible restriction- was not only unauthorized but also deceptive in light of the apps own interface behavior. 

In addition, this occurred after I filed for XXXX XXXX XXXX, and therefore violates the automatic stay provision under 11 U.S.C. 362, which prohibits creditors from collecting debts after a bankruptcy petition is filed. 

Attempts to Resolve : I made multiple calls to Cash Apps customer service. Staff were consistently dismissive, unhelpful, and in several instances disconnected the call after long wait times. I was not provided with a clear explanation or resolution. These interactions compounded the stress of navigating bankruptcy and trying to meet essential financial obligations. 

Legal Violations : - Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. 
- Unauthorized electronic fund transfer - Failure to provide notice or obtain authorization XXXX XXXX  Code, 11 U.S.C. 362 - Violation of the automatic stay - Unlawful self-help collection activity - Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 - Unfair, deceptive, or abusive acts or practices ( XXXX  ) Impact : XXXX  is an emotionally and financially taxing process. Cash Apps unauthorized withdrawal and refusal to assist caused me to miss critical financial deadlines and added significant XXXX XXXX. I was deprived of protected funds that I needed for basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Exto Inc.
State: MI

Complaint narrative:
I am submitting this urgent complaint regarding highly deceptive and fraudulent practices by Atlas Fin ( Atlas Rewards Credit Card ). Atlas uses a confusing structure involving XXXX separate banks ( XXXX XXXX XXXXXXXX. and XXXXXXXX XXXX XXXXXXXX. ) to misappropriate customer funds. 
I demand the immediate refund of {$100.00} in fraudulent Membership Fees and the return of my total payroll deposit funds, totaling {$870.00} in losses. 
XXXX. Ongoing Theft and Unauthorized Seizure of Payroll : Atlas has consistently seized my principal funds. My most recent payroll deposit of {$440.00} was transferred to my Atlas XXXX Account on XX/XX/XXXX, at XXXXXXXX XXXX. Less than XXXX hours later, on XX/XX/XXXX, at XXXXXXXX XXXX XXXX " XXXX XXXX '' system automatically and without authorization transferred {$130.00} of this new deposit away. This demonstrates a clear, active intent to seize every new deposit made. 
XXXX. Total Principal Funds Misappropriated : The total principal deposit funds that Atlas has accessed and failed to return are {$760.00} ( {$320.00} on XX/XX/XXXX + {$440.00} on XX/XX/XXXX ). 
XXXX. Fraudulent Fees Despite " No Fee '' Guarantee : I was promised " No fee '' for this service in writing. Despite this, Atlas charged my account {$100.00} in combined monthly and annual membership fees ( including a single, massive {$89.00} charge on XX/XX/XXXX ). This is material misrepresentation and fraudulent billing. 
XXXX. Illegal Conversion of Deposit : Atlas 's XXXX XXXX XXXX ( Section 9.2 ) state the funds are a " Deposit Account '' subject to a security interest for " obligations. '' Since I have XXXX outstanding debt on the card, there is no valid obligation. Their continued withholding of {$760.00} in principal funds is an illegal conversion of property. 
Action Requested : I request the CFPB compel Atlas Fin to : 1. Refund the full {$100.00} in fraudulent Membership Fees. 
XXXX. Return the full {$760.00} principal deposit funds, plus any remaining interest. 
XXXX. Confirm the permanent closure of the account and removal of all payment authorizations linked to XXXXXXXX XXXX XXXX 
Supporting Documentation : I am attaching all statements and app screenshots showing the new deposit on XX/XX/XXXX, the {$130.00} seizure on XX/XX/XXXX, the " No fee '' email, and the {$100.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN XXXX DOB XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Immediate Demand for the Removal of Fraudulent and Inaccurate Accounts from My Credit Report To Whom It May Concern, This letter serves as a formal and urgent demand for the immediate BLOCK and REMOVAL of all fraudulent, inaccurate, and unauthorized accounts listed on my credit report. Upon reviewing my credit file from Experian, XXXX, and XXXX, I have discovered multiple accounts that do not belong to me, many of which are clearly fraudulent.

These errors are severely damaging my credit, and I am holding you responsible for ensuring that ALL incorrect and unauthorized entries are removed IMMEDIATELY. I will not tolerate further delay or inaction on this matter. These inaccuracies must be corrected without hesitation.

It has come to my attention that these accounts are also associated with the wrong address. My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The following accounts are to be investigated and removed without delay : ACCOUNT ACCOUNT NUMBER BALANCE SHOWING XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX {$470.00} This is not a requestit is an urgent demand for immediate action. As outlined in the Fair Credit Reporting Act ( FCRA ), I have a right to dispute and demand correction of any inaccurate information. I am demanding that these erroneous entries be completely removed from my credit file within 7 days of receiving this letter.

Failure to act on this matter in a timely manner will leave me with no choice but to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. I expect written confirmation of the removal of these items within 30 days, as required by law.

I trust you will handle this with the urgency it demands. Resolve this NOW. 
Sincerely, [ XXXX XXXX ] XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
The unsubsidized portion of my loan was paid in XXXX. I have continued to make payments on the subsidized portion. I have tried to make more than the minimum payment, and that is resulted in the extra amount being placed in the unsubsidized portion and is now showing as a negative balance. I have contacted them on XX/XX/XXXX to resolve the issue. I was told, it would take 90 days to allow me to make more than the minimum payment in the account. It has been 115 days. The negative balance is still in my account even though I requested it be applied to my balance and I still can not make more than the minimum payment. I wish to file a formal complaint against MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Sunbit, Inc.
State: GA

Complaint narrative:
I applied for the XXXX XXXX credit card and was approved for {$800.00} credit limit. The next day I get an email from a company named Sunbit telling me I need to upload my driver license for proof of identity. I followed the link and uploaded my license. I reached out to the company the next day to see what is going on with my card. I speak to customer service and the guy say, yeah we received your license but now we need you to upload a XXXX of yourself holding your license and upload front and back of your ID. I did what the XXXX link asked for. Now they are still holding my approved credit card. I sent them all my identity information now I'm feeling like this is fraud! There are several complaints on this company holding XXXX XXXX approved credit. This is not right and someone need to investigate why they are doing this. I got approved with the credit bureaus so why are the holding up my approved application. They have now several copies of my driver 's license and my photo holding my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was notified on my credit report of this collections, that I never heard about nor opened back in XX/XX/year>. I mailed the company asking for verification/proof that I am the owner of this debt and under law they have XXXX  days to provide such proof. It has been almost XXXX  months and no proof has been mailed to me, emailed to me or even told me via phone. I am requesting you to audit them and see what proof they have of me owning this debt. The amount is {$2700.00} by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Was contacted by TrueAccord Corp about an alleged debt. Responded with a formal Cease and Desist notice regarding the unlawful attempts to collect an alleged debt purportedly owed by me. The debt claim is false, unverified, and legally unenforceable, and their continued collection activity constitutes a willful violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable Florida consumer protection laws.

In addition, a review of Federal Trade Commission and Floridas Division of Corporations records indicates that TrueAccord Corp is not authorized to conduct business, nor engage in debt collection activity within the State of Florida. This constitutes an additional independent violation of Florida Statute 559.553 ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year> at XXXX I spoke with XXXX XXXX  representative regarding charge off account for {$980.00} ending in XXXX supposedly opened XXXX. XXXX representative offered settlement agreement for {$490.00} as paid in full. I accepted the settlement offer and paid it in full. The confirmation number is XXXX. But I checked my credit report XXXX XXXX  is saying I still have balance for {$490.00} after I already paid the settlement amount in full. Then XXXX XXXX  reported the account to credit bureaus as late for XXXX even though I paid the settlement amount in full XX/XX/XXXX. I disputed this account multiple times with all credit bureaus and the account is being verified as accurate with balance of XXXX even though I paid the settlement amount in full. I contacted XXXX on XXXX and informed them that inaccurate information is being reported to all credit bureaus and asked for a letter stating this account is paid in full, and I still havent received the letter. The dispute for Equifax confirmation number is Confirmation # XXXX, confirmation number for XXXX  is XXXX. XXXX  dispute results is still pending at this time. Attached is copies of my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unverified Accounts FCRA 609, 611, and 623 I am contacting you to dispute and request deletion of several inaccurate and unverified items listed on my Experian credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 609, 611, and 623.

The following accounts are reported inaccurately or without proper verification : 1. XXXX XXXX XXXX XXXX XXXX XXXX reported as charged off. 
2. XXXX XXXX, XXXX. Auto loan reported as charge-off. 
3. XXXX XXXX XXXX XXXX account not properly validated. 
4. XXXX XXXX XXXX XXXX Two collection accounts with conflicting data. 
5. XXXX XXXX XXXX XXXX account reporting unresolved dispute and inaccurate details. 
I request the full method of verification as required by FCRA 611 ( a ) ( 7 ), including documentation obtained from the original creditors. If verification can not be substantiated, please delete these accounts immediately in compliance with federal law.

Please send me written confirmation of your investigation results along with an updated copy of my credit report. 
Sincerely,

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief