vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am writing to formally submit a complaint against ChexSystems , Inc. regarding false and inaccurate information contained in my consumer report that requires immediate correction. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and consumer reporting agencies must investigate such disputes unless they are frivolous. 

Consumer Information : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Phone Number : XXXX EMAIL : XXXX Date of Birth : XX/XX/XXXX Social Security Number : 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 2025-07-28 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 XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 2025-07-28 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 XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
This complaint concerns unlawful re-aging and continued reporting of a previously disputed and fraud-marked collection account by Caine & Weiner XXXX 

I previously filed CFPB Case XXXX XXXXXXXX, where Caine & Weiner responded by stating they had mailed me debt validation in XX/XX/year> and had marked the account as fraud. I never received the alleged validation, and they have provided no proof of delivery. 

Despite their representation to the CFPB that this account was marked as fraud, on XX/XX/year>, Caine & Weiner updated the same collection account ( XXXX XXXXXXXX ) on my XXXX credit report. 

This appears to be an attempt to re-age or refresh the tradeline to keep the derogatory mark active, in violation of FCRA 623 ( a ) ( 5 ). This also constitutes knowingly furnishing inaccurate information under FCRA 623 ( a ) ( 1 ) and failing to provide proper validation as required by FDCPA 809 ( b ). 

On XX/XX/year>, I sent an escalated certified dispute letter to Caine & Weiner demanding deletion of the account, full documentation of all updates made, and a copy of the alleged XX/XX/year> validation they claim was sent. I am attaching a copy of that letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BIYING Inc
State: TX

Complaint narrative:
I submitted a request to withdraw my funds from Pionex.US ( Ticket XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), a cryptocurrency trading platform, but they have failed to release the funds or provide a resolution. I have contacted their customer support at least five times over the past several days. While the responses are written by a human and appear empathetic, the only update I have received is that my case is still under investigation.

As of today, it has been 10+ days since my request, and I still have no access to my money, no timeline for resolution, and no indication of what is being investigated or why. This is a serious delay involving customer funds, and I have legitimate concerns that the company is stalling in hopes that I will stop following up. 

I am filing this complaint because I believe XXXX is withholding my money without just cause, and their customer service process is failing to provide transparency, accountability, or a fair timeline for release. I request that this case be reviewed immediately to ensure consumer funds are not being unfairly delayed, misused, or withheld under false pretenses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
XXXX from XXXX XXXX is a debt collection agency XXXX for XXXX XXXX. I said I do not know who is that person. I am reporting them to the Federal Trade Commission XXXX XXXX department & XXXX & CFPB for XXXX XXXX XXXX XXXX Level XXXX Communications XXXX  non-relation listing. They kept calling and recording without consent of agreement against my consumer protection laws rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing and submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and damaging my XXXX XXXX, preventing me from achieving financial freedom and stability.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a business checking account with USBank in XX/XX/year> and deposited {$5300.00} as part of a promotional offer that promised a {$500.00} bonus after completing required transactions. 



The debit card was sent to the wrong address and was fraudulently activated by an unknown person, who transferred the funds to their XXXX XXXX. After a lengthy process, US Bank refunded me only {$5200.00}, which is {$19.00} less than my original balance. 



I have made multiple attempts to recover the missing {$19.00}, but the bank has not explained the discrepancy nor provided a refund. Furthermore, I never received the promised {$500.00} promotional bonus, even though I fulfilled all requirements. 



To make matters worse, the account was closed without explanation, and I can not resolve the issue in person because there are no USBank branches in XXXX  XXXX XXXX where I live. 



This situation has caused significant distress, and I am seeking a full resolution, including reimbursement of the missing funds and issuance of the promotional bonus.

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 2025-07-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-28 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: TX

Complaint narrative:
I saw my recent copy of my report and noticed multiple disturbing fraudulent accounts that do not belong to me and are harming me to move froward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw my recent copy of my report and noticed multiple disturbing fraudulent accounts that do not belong to me and are harming me to move froward.

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband is in the XXXX. He has a XXXX XXXX and does the XXXX  as required by the military. He has been called to XXXX XXXX 2 times this calendar year. He is not paid until his orders are completed. This means he will not be paid for 6+ weeks and prevents us from making our mortgage payment. We have requested a forbearance from Regions Bank as a result of this and Regions refuses to grant a forbearance. We have appealed and after 3 months still do not have a resolution. We tried to be proactive and they have drawn this out and been discriminatory in their review process. My husbands military service does not pay him anywhere near his XXXX  XXXX  and they are refusing to provide relief despite their financial hardship application stating no additional documentation is needed to be granted a hardship assistance. Regardless we have supplied documentation and reached out multiple times to no avail simply because of my husbands military obligations which he can not turn down or say no to.

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 monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing and submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and damaging my XXXX XXXX, preventing me from achieving financial freedom and stability.

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 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I hope this letter reaches the appropriate department. I am writing to formally lodge a complaint regarding multiple derogatory accounts that have been reported on my credit file without my authorization. This unauthorized furnishing of information constitutes a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am extremely concerned about the presence of inaccurate, outdated, and unverified negative items that are adversely affecting my creditworthiness. These discrepancies not only reflect negligence in maintaining the integrity of my credit report but also pose serious consequences to my financial standing.

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 2025-07-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX  Date : XX/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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX XXXX inquired about placing solar panels on my roof and I had a inspector come by, and he told me that I needed to put a new roof on my house before placing solar panels on the process was stopped. And I did not place solar panels on my home. I did not go through with the process of placing solar panels on my home. And I did not take a loan out for the solar panels. I do not have solar panels on my home.And I do not have a loan for solar panels. Mosaics, sustainable finance corporation has placed an {$18000.00} loan on my credit stating that I have been making payments. I have never made a payment to mosaic sustainable finance corporation for solar panels.And that I have solar panels on my home, which is untrue. I do not have solar panels, and I do not have a solar panel loan..

Company response to consumer: Closed with explanation