vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Someone has been using my name and social to open up banks and other accounts messing up my credit and stoping me from getting approved for things I need I also have a XXXX XXXXXXXX  that I knew nothing about and my information was exposed on the data breach.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On Friday XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Citi Strata Premier card for a {$820.00} statement credit. The {$820.00} posted to my credit card an hour later. The very next day on XX/XX/year>. I received an email lowering my credit limit from {$6200.00} to {$5100.00} wiping away the {$820.00} statement credit from my points. The reason explained for what they did is due to me having utilized a high amount on my credit cards by checking with XXXX, but this was in retaliation because I used my points for a statement credit. My points were literally stolen from me and I'd like to sue Citi Bank for the emotional distress.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My first complaint here CFPB XXXX About garnishing my wages of a debt of years ago. 

Second complaint here CFPB XXXX Started to garnish my wages but increasing the amount I owe. 

Both complaints stated I owe {$1300.00} So why they garnished {$2300.00} In top of that I was let go of my job because of this garnishment was update not once but twice for a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America reported a debt to my credit score which the debt is already paid off. Reach out to them but they dont want to take it out of my account

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 2025-02-08 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I DO NOT RECALL HAVING A CONTACT AGREEMENT WITH THIS COMPANY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I don't know any of the dates but my name and information was used in a data breach

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 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
E-mails and 3 phone calls later - they can't do anything. Ive called a few times and nobody can get me my 1099 for a closed account with SoFi. Reference number is XXXX within SoFi. Just need my 1099 as it is now late to me past the XX/XX/year> deadline and I can't file taxes becaue of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Alorica Inc.
State: TX

Complaint narrative:
XXXX switched loan over to SST, who changed loan agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR CBNA ; I was shocked when I reviewed my credit report and found late payment on XX/XX/2023. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2025-02-08 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: FL

Complaint narrative:
I have been a victim of fraud and also the equifax data breach I reviewed a copy of my credit report from equifax transition and Experian I noticed some accounts that are fraudulent I requested that theses accounts be deleted immediately There was an improper investigation done

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been harassed and they have garnished my checks illegally. XXXXXXXX XXXX received a closed account after its statue date when the company wrote this off as a loss. XXXX illegally harrased and pursued me illegally. My credit was significantly affected in thier reporting of this account which was closed and charged off as it was beyond its statue by Best Buy who filed bankruptcy during this period. I have been affected mentally and physically by the actions. I attempted to explain this to these debt collectors but they disregard in even taking more then what was owed on the debt through the garnishment from my employer. Can someone please investigate this. Mt personal information was given to a third and fourth party without my consent. Exposing my personal social security and data to unknown entities which I did not agree 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I think my there was a breach in one ( or more ) of the credit agencies. I'm now getting a signifigant amount of junk mail and calls who have my basic information as well as inquiry calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: CA

Complaint narrative:
I received a letter from First Progress stating that my secured credit card was restricted for security reasons. The letter also provided a balance of {$90.00}. I have had my card in my possession at all times and have never entered my card information online. My card was opened around XXXX of 2024 and I have only charged the card once. It has remained in my possession. I logged into my account to verify the charges. When I contacted them to ask if there was a breach in their system that they failed to inform me about, they did not confirm. I have no other letters from them regarding a breach and I have reason to believe that someone in the company has fraudulently used my card information and may be using others as well, because there is no way possible anyone can have my secured credit card information. This is my first credit card ever and I do not give the number to anyone and have only used it once to buy some gum. They informed me that they would investigate the charges which includes a charge of {$87.00} and associated Foreign currency transaction fee of {$2.00}. They informed me that it will take 2 billing cycles and that even though I did not authorized the transactions, I have to pay the {$2.00} transaction fee until the investigation is complete within 2 billing cycles. This is not appropriate. I am requesting the CFPB oversee the investigation and determine if this is a widespread issue with First Progress as I do not appreciate not being able to trust that my information is not compromised from the very company I have created a financial relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I need proof that XXXX is the rightful owner to collect on this account. I've asked for XXXX, chain assignments etc that proves thier are the holder in due course

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Ive been scammed before and never received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I think my there was a breach in one ( or more ) of the credit agencies. I'm now getting a signifigant amount of junk mail and calls who have my basic information as well as inquiry calls.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I think my there was a breach in one ( or more ) of the credit agencies. I'm now getting a signifigant amount of junk mail and calls who have my basic information as well as inquiry calls.

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 2025-02-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. This fraudulent, inaccurate, and false information consists of a personal credit card account, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-08 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: NV

Complaint narrative:
I am filing this complaint about XXXX XXXX, XXXX for furnishing inaccurate and inconsistent information to the credit bureaus regarding my two XXXX accounts. Despite multiple disputes, XXXX continues to report conflicting data on Equifax and TransUnion. One account ( ending in XXXX ) is an open revolving line that TransUnion lists with a XXXX balance and a XXXX limit, while Equifax shows a XXXX balance and does not clearly show the same limit. Additionally, they appear to have reaged the debt by placing a Date of First Delinquency in 2024, which extends the time this negative entry remains on my report. The second XXXX account ( ending in XXXX ) is a closed installment with a XXXX balance but is still reporting as delinquent or 90 days past due on one bureau, which is contradictory since a XXXX balance closed account should not be listed as past due. XXXX previously removed these accounts altogether, suggesting the information was unverifiable, yet Equifax and TransUnion still report them differently. XXXX claims they report accurately but has not addressed the documented inconsistencies. Under the Fair Credit Reporting Act, data furnishers must ensure accuracy and consistency, and they can not illegally reage debts or report a XXXX balance account as delinquent. I am requesting the credit bureaus investigate these specific errors, require XXXX to provide proper verification of the correct dates, balances, and payment status, and delete or correct the tradelines if they can not accurately resolve these discrepancies. The continued reporting of contradictory balances, dates, and delinquency on a zerobalance account violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
DEAR KOHLS/CAPONE ; I was shocked when I reviewed my credit report and found late payment on XXXX AND XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting a formal complaint against Equifax for their failure to conduct reasonable investigations into my disputed credit report inaccuracies. Despite my submissions of supporting documentation, Equifax has consistently responded within 24 hours, merely reiterating the account 's accuracy without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I respectfully request that the CFPB take appropriate action to compel Equifax to comply with federal law and provide consumers, including myself, with documented proof of genuine reinvestigations. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
According to these laws 15 U.S. Code 1692c and 15 U.S. Code 1692g and 15 U.S. Code 1681 e ( b ) I am protected from the abuse of my rights as a consumer.

Dear Portfolio Recovery Associates, I am writing to formally dispute the validity of the debts associated with the accounts referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following documentation : 1. A copy of the forward flow agreement related to the accounts in question.

2. The chain of assignment agreement for both accounts, demonstrating the transfer of ownership and the legitimacy of the debt.

It is my right to request this information, and I expect your prompt response within 30 days of receiving this letter.Thank you for your attention to this matter. I look forward to your prompt response. Portfolio Recovery has never validated the debt with an agreement of payment. I dont have a contractual agreement with them. I have asked them to validate the debt with a letter and never received a response back from them. Only for them to keep uploading the original debtors information on the account. I am not validating the account with the original debtor. The dispute is that I do not have an agreement with Portfolio Recovery collection agency. I have included the validation letter sent to Portfolio Recovery that they never responded back to when delivered by USPS back in XXXX of 2024.

Company response to consumer: Closed with explanation