vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I disputed a collection account that is being reported inaccurately as an open account and requested an investigation and validation of the debt. Despite my written requests under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have not received adequate verification, and the inaccurate reporting continues. I am requesting that the CFPB investigate this matter and that the collection be removed from my credit report if not properly validated.

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 2025-06-02 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Failure to Properly Investigate Collection Account Violation of FCRA To Whom It May Concern, I am filing this formal complaint against [ insert credit bureau name ( s ) and/or collection agency name ] for failure to properly investigate and respond to a dispute I submitted concerning an inaccurate collection account on my credit report. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and related provisions. 

On XX/XX/year>, I submitted a written dispute regarding a collection account reported by [ insert collection agency name ]. I included documentation demonstrating the inaccuracy of the information and requested a thorough reinvestigation, as is my right under 15 U.S.C. 1681i.

The FCRA requires that : A consumer reporting agency must, within 30 days, complete a reasonable reinvestigation of any disputed item ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

The consumer must be notified of the results of the investigation within 5 business days after the completion of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). 

Despite these legal requirements, no adequate investigation appears to have been conducted within the mandated timeframe, and the collection account remains on my credit report without justification or verification. 

Creditor Acc Amount XXXX  XXXX {$450.00} XXXX  XXXX {$470.00} XXXX  XXXX {$540.00} XXXX {$620.00} XXXX XXXX XXXX {$640.00XXXX XXXX XXXX  XXXX {$570.00} XXXX XXXX XXXXXXXX {$460.00} I am requesting the CFPBs assistance in holding the involved party accountable for this failure and ensuring that the disputed entry is either verified through a lawful investigation or promptly removed in accordance with federal law.

Enclosed/attached you will find : A copy of my original dispute letter Any supporting documentation I provided Proof of delivery ( if available ) A current copy of my credit report showing the disputed account Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Failure to Properly Investigate Collection Account Violation of FCRA To Whom It May Concern, I am filing this formal complaint against [ insert credit bureau name ( s ) and/or collection agency name ] for failure to properly investigate and respond to a dispute I submitted concerning an inaccurate collection account on my credit report. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and related provisions. 

On XX/XX/year>, I submitted a written dispute regarding a collection account reported by [ insert collection agency name ]. I included documentation demonstrating the inaccuracy of the information and requested a thorough reinvestigation, as is my right under 15 U.S.C. 1681i.

The FCRA requires that : A consumer reporting agency must, within 30 days, complete a reasonable reinvestigation of any disputed item ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

The consumer must be notified of the results of the investigation within 5 business days after the completion of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). 

Despite these legal requirements, no adequate investigation appears to have been conducted within the mandated timeframe, and the collection account remains on my credit report without justification or verification. 

Creditor Acc Amount XXXX  XXXX {$450.00} XXXX  XXXX {$470.00} XXXX  XXXX {$540.00} XXXX {$620.00} XXXX XXXX XXXX {$640.00XXXX XXXX XXXX  XXXX {$570.00} XXXX XXXX XXXXXXXX {$460.00} I am requesting the CFPBs assistance in holding the involved party accountable for this failure and ensuring that the disputed entry is either verified through a lawful investigation or promptly removed in accordance with federal law.

Enclosed/attached you will find : A copy of my original dispute letter Any supporting documentation I provided Proof of delivery ( if available ) A current copy of my credit report showing the disputed account Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-02 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: NY

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. The inquiry was not authorized XXXX Date of inquiry : XXXX XXXX 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute of Late Payment Request for Proof of Compliance with 15 USC 1666b and 15 USC 1637b I am formally disputing a late payment reported on my credit account by XXXX XXXX XXXX XXXX  According to 15 USC 1666b, creditors are required to send periodic statements with the information specified in 15 USC 1637b. I request that XXXX XXXX BANK provide proof that these periodic statements were sent in compliance with these regulations. 
Specifically, I request the following 1. Proof that the periodic statement containing the required information under 15 USC 1637b was sent to me.

2. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them.

3. Verification that the periodic statement was sent at least 21 days before the payment due date.

4. Proof that a negative information notice was sent regarding the late payment, as required by law.

I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.

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 2025-06-02 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Loan company keep sending certified mail letter expressing repossessing the vehicle even though we have a great payment history for XXXX years now and never been late more than XXXX days at any given time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16.00XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} Inquiries XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
I contact transunion and Equifax on XX/XX/XXXX via letter requesting validation of bankruptcy with no information or removal.

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 2025-06-02 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: NY

Complaint narrative:
I submitted a claim with my loan company and my late charges were taken away however on transunion when i went to go dispute these charges- they were still deliquent.

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 2025-06-02 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: FL

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} Inquiries XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Firstly, let me say that MOHELA has mishandled some aspect of every transaction they have serviced over the past 3 years. Currently, they are 6 months delinquent in processing the income re-certification for my IDR plan ( PAYE ). I submitted my re-certification in XXXX of XXXX and it still has not been processed. Since then, my income has substantially decreased and I have submitted a request to recalculate my monthly payment. This request is also still being processed. Currently, my most pressing issue with MOHELA 's willful ( and likely criminal ) incompetence involves their handling of a payment from a state program I am part of. Issue XXXX : As a physician practicing primary care in a rural part of Texas, I am part of a state program ( Physician Education Loan Repayment Program, or PELRP ) that makes a yearly payment on my behalf towards my sizable student loans. This year, the payment was for {$50000.00}. Usually, this yearly payment is applied equally across all my loans and serves as my monthly payments for the following year or more. However, when MOHELA received this payment on XX/XX/XXXX, they applied it to pay off some of my loans and they are now saying I still owe them a monthly payment. This is my most immediate complaint. 
Issue 2 : My secondary complaint has to do with MOHELA 's total lack of anything that can be called customer service. Due to the extremely long wait times when calling MOHELA, I have spent more than 8hrs on the phone with MOHELA trying to get the above issue resolved. In each call, it takes approximately 30 minutes just to navigate the phone tree to begin waiting on hold to talk with a person. It then takes several more hours on hold before I speak with a real person. When I do talk to a real person, they inevitably put me back on hold to talk with someone else. I have been through this process several times in the past 3 years and each time the hold times have increased. I now have to set aside whole days to wait on hold with MOHELA whenever a problem arrises... which is frequently. I am currently on hold, and have been for more than 2 hours. It is my belief that MOHELA intentionally prevents customers from speaking with customer service as a way to prevent borrowers from addressing the rampant mistakes they make in servicing our loans. We have no choice as to who our loan servicer is and MOHELA is taking full advantage of that.

Company response to consumer: Closed with explanation