vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I have had multiple unauthorized transactions on my XXXX XXXX  Checking Account, the transactions were from Cash App, after many conversations with my bank, they denied the refund because Cash App said their investigation showed no fraud. 

I contacted Cash App customer service and after many attempts finally received the information that they used to deny any fraud occurred. Attached are copies. The information that Cash App sent to me clearly shows that someone other than myself, used my Cash App account that had my XXXX XXXX Account linked to steal money from my account. 

The Cash App document actually shows the name and address of the person who was using my account and stealing the funds. I am incredulous that Cash App having investigated and found that the person who was at fault was NOT ME but a person named XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, MI XXXX US. 
My name is XXXX XXXX and I live in XXXX XXXX, AR how they could overlook this fact is beyond my comprehension. The amounts are the exact amounts stolen as well as shows my debit card that was linked to my Cash App account is ALL listed on the document Cash App sent to me with XXXX XXXX XXXX as the addressee. XXXX XXXX XXXX was the person using my cash app account and taking my money. 

XXXX XXXX said that their hands were tied and denied my request for reimbursement, due to the fact that Cash App kept repeating that they had found NO FRAUD during their investigation. 
XXXX XXXX had closed the checking account and opened another and then suspended me for 1 year from checking priviledges due to the Cash App fraud. 

My complaint is to Cash App for the absolute disregard to my claim and after they obviously found the fraud absolutely paid no attention to their own findings and automatically denied my claim for the fraud charges.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally assert that my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974 have been violated in relation to the handling, disclosure, and maintenance of my student records and loan information. As a result of these violations, I am requesting the immediate discharge and removal of all associated student loan debt from my credit profile and all relevant loan servicers, including but not limited to XXXX. 

Specifically, I believe that : 1. Under FERPA, my educational records were disclosed without my explicit written consent to parties or entities not entitled to access under the law, thus violating my federally protected privacy rights. 
2. Under the Privacy Act of 1974, the federal agencies or third-party loan servicers failed to ensure that my personal data and financial information were maintained with proper safeguards, or were used in a manner inconsistent with the purposes for which the data was collected. 

These violations have had a direct and adverse impact on my financial standing, credit report, and overall well-being. I therefore request the following : Full discharge of all federal and/or private student loan debt ; Removal of all associated derogatory information from my credit reports across all major bureaus ( Equifax, XXXX, XXXX ) XXXX Immediate cease and desist of any collections or loan servicing activities related to the accounts in question. 

Please consider this a formal request for investigation and resolution under the rights afforded to me by federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express XXXX XXXX XXXX card on XX/XX/XXXX, which promised XXXX XXXX XXXX and {$500.00} statement credit if I spent {$3000.00} & make a XXXX purchase within XXXX  months. I've since met the {$3000.00} & XXXX purchase requirements and fail to see any rewards credited to my account. 

I've made XXXX calls to American Express regarding this : In the first call ( XX/XX/XXXX ), they asked me to wait for a few more weeks and assured me that the rewards will the there by then. 

In the second call ( XX/XX/XXXX ), they changed the reason and said I was notified at the time of online application that, there will be no reward if I proceed with application. I told them there was no such on-screen notification. I asked them to show me the screen-shot of such notification and was told they could not produce it. In reality, after I clicked " apply '' on the screen, I got an email asking me to call them to complete the remaining steps of the application. When I called, they told me the application is now completed and my application approved. They said nothing on the phone about " no rewards ''. I ask them to produce a recorded message to prove they told me about " no reward '', and they said they could not. But they promised to investigate and asked me to call 10 days later. 

In the XXXX call XXXX  days later ( XX/XX/XXXX ). The investigated had been completed and they did notify me about " no rewards ''. When I ask them to show me the evidence such as screen shot or email, they again said they don't have. 

Apparently, I fell victim of a false advertisement. Realizing I'm wasting time with them, I immediately cancelled my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: OK

Complaint narrative:
I have had numerous emails and now letters sent to my old address harassing for a old debt that I had. 
The emails are being sent all hours of the day and night time including hours after the business should be closed for the business day. 
I haven't memorized the exact days times and dates but there is a lot.

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: IL

Complaint narrative:
I am filing this dispute because XXXX has willfully violated multiple sections of the Fair Credit Reporting Act ( FCRA ) and ignored my legal rights. 

I have submitted multiple disputes regarding fraudulent and inaccurate information on my credit report.These accounts are a result of identity theft, which I have substantiated with a police report and valid identity affadavit as defined under FCRA 1681 C-2. 

Despite this, the credit bureau has : -Failed to block or remove fraudulent accounts within 4 business days as required under FCRA 1681 C-2 -Continued to report inaccurate and harmful information, violating FCRA 1681 e ( b ) which requires maximum possible accuracy -Neglected to properly investigate disputes submitted under FCRA 1681i -Failed tp provide business records related to identity theft, violating FCRA 1681 g ( e ) -Ignored requests for fraud alerts, violating FCRA XXXX681 c-1 This has caused damage to my credit, emotional distress, and has limited my financial opportunities. I have attached copies of the police report, court documents, and identification along with previous disputes I was able to obtain. Yet the credit bureau continues to verify and retain false information without proper investigation The accounts are added below : XXXX. XXXX XXXX XXXX XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dismissed/Closed Filed XX/XX/XXXX XXXX. XXXX XXXX XXXX {$2800.00} XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2025-04-14 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
{$500.00} deposit on XXXX/XXXX/XXXX  and {$540.00} deposit on XX/XX/year>. Those are my paychecks and I can not direct deposit them. Ive deposited it starting XX/XX/XXXX and they withheld {$300.00} and then I deposited my other one XX/XX/XXXX and they withheld {$340.00}. They did tell me being that Im a new client with their bank thats the paychecks are going to be held for up to nine business days. They said everything should be fine starting XX/XX/year>. Though being that that is my only income from my job They are withholding close to XXXX to {$700.00} and I cant pay any bills if I try to pay any bills, it goes to them and they charge me a nonsufficient fund {$29.00} per transaction. Which is costing me money that I dont have. I dont have money to get gas or food so I can survive during the week cause theyre only giving me {$200.00} a week until The end of this month and then theyll release my money. I really do not think its fair that they do that and I did not know that when I chose them as my new bank.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this dispute because XXXX has willfully violated multiple sections of the Fair Credit Reporting Act ( FCRA ) and ignored my legal rights. 

I have submitted multiple disputes regarding fraudulent and inaccurate information on my credit report.These accounts are a result of identity theft, which I have substantiated with a police report and valid identity affadavit as defined under FCRA 1681 C-2. 

Despite this, the credit bureau has : -Failed to block or remove fraudulent accounts within 4 business days as required under FCRA 1681 C-2 -Continued to report inaccurate and harmful information, violating FCRA 1681 e ( b ) which requires maximum possible accuracy -Neglected to properly investigate disputes submitted under FCRA 1681i -Failed tp provide business records related to identity theft, violating FCRA 1681 g ( e ) -Ignored requests for fraud alerts, violating FCRA 1681 c-1 This has caused damage to my credit, emotional distress, and has limited my financial opportunities. I have attached copies of the police report, court documents, and identification along with previous disputes I was able to obtain. Yet the credit bureau continues to verify and retain false information without proper investigation The accounts are added below : XXXX. XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dismissed/Closed Filed XX/XX/XXXX XXXX. XXXX XXXX XXXX {$2800.00} XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because my credit reports from XXXX, Equifax, and TransUnion contain inaccurate and unauthorized personal information, including names, addresses, and places of employment that do not belong to me. 

These errors are not connected to any credit accounts I have opened, and I have never used these names, lived at these addresses, or worked at the listed employers. This misinformation is damaging to my credit profile and could be linked to reporting errors, mixed files, or identity confusion. 

I have attempted to resolve these issues directly with the credit bureaus, but the incorrect information has not been fully corrected or removed. 

I am requesting assistance from the CFPB to ensure the credit reporting agencies properly investigate and permanently remove the inaccurate data from all three reports.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Took out a loan on my XXXX XXXX XXXX with Heights Finance. Vehicle was involved in an accident XX/XX/year>XXXX Vehicle was totaled by insurance company. Spoke with Heights Finance about the loan, they quote said " Once we recive payment from the insurance company the loan is clear. '' 11 months later they contacted me in regards to the loan I had with them, stating that a payment was due. I then reminded them that I was told the loan was taken care of due to insurance payment on the loan and having GAP insurance on any remainder of the loan. They responded to that saying, that was not the case that I still owed a balance of {$9300.00} on the loan. I then attempted to contact a corporate office to discuss the matter. They tired to play it off as it was a local brach problem and I had to deal with it there. I was finally able to reach someone at district level to discuss this matter. I was told by them that there hands were tied and my only options were to " refinance '' the loan which would greatly affect my credit as I am in the middle of buying my first home, or make payments on the balance. Since then this matter has greatly affected my credit as now they are saying it is delinquent and now hindering my attempt to purchase a home.

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: HI

Complaint narrative:
I must emphasize that this complaint is legitimate and demands immediate action. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are not only misleading but are actively causing ongoing harm to my financial stability and personal well-being. The emotional and practical toll this has taken is substantial. I am calling for these inaccuracies to be thoroughly investigated and either corrected or permanently removed without further delay. This matter must be treated with the seriousness and urgency it warrants.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Subject : Dispute of Late Payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a late payment entry that appears on my credit report related to my XXXX XXXX XXXX XXXXXXXX account. I am requesting that these late payments be removed immediately, as it is inaccurate and unfairly affects my credit standing. 

I have been a responsible customer and have never missed a payment. After noticing the derogatory mark on my credit report, I contacted XXXX customer service as well as XXXX XXXX and a representative confirmed the following : 1 ) The late payment was linked to an issue where I did not receive the billing statements or notifications.

2 ) There were signs of fraudulent activity on the account during the time in question. 

3 ) Based on the circumstances, the representatives AGREED that the late payment would be removed from my record and would report to all bureaus to remove late payment remark.

Despite this agreement, the late payment remains on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccuracy be investigated and that the late payment be removed from all relevant credit bureaus. I understand that all calls are reported for quality assurance and I assure you that a Manager from both XXXX XXXX XXXX XXXX promised the above to me. 

Please investigate this matter promptly and confirm in writing once the correction has been made. 

Thank you for your time and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: DISCOVER BANK
State: MA

Complaint narrative:
My personal information was stolen as a result of a data breach, and since XXXX  numerous fraudulent credit applications and accounts have appeared on my credit report including an XXXXXXXX XXXX XXXX, a Discover credit card, and others. These accounts were not opened or authorized by me. I did not give permission for anyone to use my personal information. 

This identity theft has caused my credit score to drop significantly by approximately XXXX to XXXX points and has created ongoing financial and emotional stress. I have submitted an identity theft report to the Federal Trade Commission ( FTC ) and am actively working to dispute all unauthorized activity with the credit reporting agencies. 

I am requesting that the companies involved close any fraudulent accounts, remove them from my credit file, and stop reporting any associated negative activity. I also request that the Consumer Financial Protection Bureau ensure that my concerns are taken seriously and that the companies are held accountable for the mishandling of my personal information.

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: EQUIFAX, INC.
State: MI

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

Company 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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
My personal information was stolen as a result of a data breach, and since XXXX, numerous fraudulent credit applications and accounts have appeared on my credit report including an Apple credit card, a XXXXXXXX XXXX XXXX and others. These accounts were not opened or authorized by me. I did not give permission for anyone to use my personal information. 

This identity theft has caused my credit score to drop significantly by approximately XXXX to XXXX points and has created ongoing financial and emotional stress. I have submitted an identity theft report to the Federal Trade Commission ( FTC ) and am actively working to dispute all unauthorized activity with the credit reporting agencies. 

I am requesting that the companies involved close any fraudulent accounts, remove them from my credit file, and stop reporting any associated negative activity. I also request that the Consumer Financial Protection Bureau ensure that my concerns are taken seriously and that the companies are held accountable for the mishandling of my personal information.

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: TX

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation