vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/scrub> XXXX XXXX I deposited a legitimate, bank-issued check for {$9200.00} from XXXX XXXX XXXX into my Apple Bank account. Instead of processing the deposit within the standard timeframe, Apple Bank placed an excessive hold on my funds until XX/XX/year>, citing Doubtful Collectability. This hold was placed without any valid reason, as the check was issued by a major financial institution. 

This unnecessary hold caused severe financial damage, including : XXXX  Account Deficit & Restrictions : Due to the delayed deposit, my XXXX XXXX  account reversed the transaction, resulting in a negative account balance and a restriction on Instant Deposits. 
XXXX required me to deposit {$3900.00} and {$3900.00} ( totaling {$7900.00} ) to restore my trading privileges. 
This was a direct consequence of Apple Bank failing to make my funds available in a reasonable timeframe. 


Missed Investment Opportunity ( $ XXXX Loss ) : Due to the unjustified delay, I was unable to execute planned trades in the stock market. 
Had my funds been available when they should have been, I would have been able to invest and capitalize on market opportunities, which would have resulted in profits exceeding {$20000.00}. 
Apple Banks actions directly caused me financial harm, as I was deprived of the ability to manage my funds as intended. 


Discriminatory Banking Practices : I believe that racial discrimination may have played a role in Apple Banks decision to place this excessive hold on my check. 
There was no valid banking reason to hold a legitimate, verifiable check from a well-known financial institution. 
Apple Banks own branch manager acknowledged their error and even begged me not to close my account, which further suggests that they were aware of the unfair treatment I received. 


Apple Banks Misguided Response : When I raised this issue with Apple Bank, they offered to reimburse overdraft or NSF fees. 
However, this does not address the real financial harm I suffered. I did not incur NSF or overdraft fees because I responsibly managed my account ; instead, I suffered a direct financial loss due to the restriction on my XXXX  account and the missed trading opportunities caused by Apple Banks delay.

Offering only NSF fee reimbursement ignores the larger financial impact of their decision to unnecessarily delay my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-30 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: KS

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 proce 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to dispute the accuracy of specific information in my ( XXXX XXXX ) report, which I believe to be erroneous. Under the Fair Credit Reporting Act, I have the right to request that you investigate and correct any inaccurate or incomplete information. 

The details of the inaccurate information in my report are as follows : ( Inaccuracy # 1 ) : Capital one account # XXXX opened on XX/XX/XXXX a This is account is incorrectly reporting that I have 4 late payments on XXXX, XXXX reports 5 late payments and XXXX reports 2 late payments.

( Inaccuracy # 2 ) : Capital One account # XXXX opened on XX/XX/XXXX This is account is incorrectly reporting that I have 5 late payments on XXXX, XXXX reports 5 late payments and XXXX reports

1 late payments. Please rectify or delete the aforementioned inaccuracies from my report without delay. The FCRA mandates that you investigate and respond to me within 30 days of receiving this letter. Upon making the necessary changes to my report, furnish me with written confirmation. Your immediate attention to this issue is mandatory. This letter is sent on my behalf, and I have included a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MO

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as a highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts I marked as inaccurate. 
XXXX XXXX XXXXXXXX Original creditor : XXXX Balance : {$4400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance XXXX {$420.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance : {$2200.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: AL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$570.00} written off. '' Once settled, the balance should reflect as zero without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in
2023,

even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in
XXXX  2023

should mean no further derogatory reporting is necessary. Hindrance t o My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. Resolution Demanded : Permanently remove this account from my credit report. Provide written confirmation of removal within five ( 5 ) days. Cease further reporting of this inaccurate information to avoid further legal liability. Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NC

Complaint narrative:
CashApp has no live agents to help with account funding, withdraws, disputes, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX deformation of my character on their report to the experian and other agencies. 

XXXX can not provide any falsified documents they lied against after wrongful termination. 

They XXXX XXXX XXXX letter to me after their investigation stated that my termination was not due to any misconduct at work. 

XXXX declined filling out a form from Texas Human health Services the reason for work separation I reported XXXX XXXX incident that occurred on XXXX XX/XX/year> against me by XXXX manager they found him guilty and choose to terminated my under another disguise and stated it was accidentally.

The claimed on XXXX XX/XX/year> they found no violations and after termination on XXXX XXXX on mutiple beverement which was not true as they coded certificate of fitness on the said date and a case no showed i do not have mutiple beverement i had screenshots was deleted by XXXX investigator i sent the screenshot.

they same XXXX XXXX XXXX investigator wrote me on XXXX XX/XX/year> that she had found violations. 
They XXXXXXXX XXXX  called me in a recorded conversation to inform me of being suspended with pay for my security while they investigate my XXXX XXXX  by the XXXX manager but they lied on they record to stop my future employability.

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 2025-01-30 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never got my middle-class tax refund card for California. The Tax board told me to call XXXX XXXX who was issuing the cards. I been given the constant run around from XXXX XXXX and XXXX XXXX XXXX and never got my {$700.00} card.It has been a hassle trying to get the card.

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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Account was closed under buyers remorse at my request in XX/XX/XXXX, it was assured it was closed i then received notification from a debt collector in XXXX attempting to collect a debt unbeknownst to me I explained this debt is in no way owed I expressed that account was closed in XXXX XXXX they stated it wasnt then sent me a billing with over 4 months unaccounted i explained that account was closed thats why over 4 months is Missing because i requested it to be closed and there had to be some sort of mix up so this is a fraudulent debt that is not owed due to errors on the company behalf. This needs to come off my credit immediately I keep disputing this debt without proper knowledge of the laws because it is fraudulent but I have recently been made aware that I can in fact sue. But I have to make a proper request for it to come off first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Incorrect and Outdated Addresses from Credit Report To Whom It May Concern, I am writing to formally request the removal of all outdated and incorrect addresses listed on my credit report, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Upon reviewing my XXXX credit report, I noticed multiple old addresses that are no longer relevant to my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or outdated information on my credit report, and I am requesting immediate action to remove all previous addresses associated with my file that are no longer valid.

Addresses to Be Removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Reason for Removal : These addresses are no longer associated with me, and they do not reflect my current residency.

Having outdated addresses on my credit report increases the risk of identity confusion and potential fraud.

The presence of multiple addresses can lead to inaccuracies in my credit history, which I wish to rectify immediately.

Supporting Documents : I have attached copies of the following documents to verify my identity and current address : A copy of my government-issued ID ( showing my current address ) A recent utility bill or lease agreement confirming my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX A copy of my Social Security card for identification purposes Action Requested : Per the FCRA, I request that you : Remove all outdated and incorrect addresses from my credit file Update my report to reflect only my current address Provide me with a revised and accurate copy of my credit report once these corrections have been made Deadline for Response : The FCRA requires credit bureaus to investigate and resolve disputes within 30 days. Please confirm receipt of this request and provide an update on the status of my dispute as soon as possible.

If you require further information, please contact me at XXXX or via mail at my current address.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these outdated addresses have been successfully removed. 

Sincerely, XXXX XXXX Email : 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect and Outdated Addresses from Credit Report To Whom It May Concern, I am writing to formally request the removal of all outdated and incorrect addresses listed on my credit report, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Upon reviewing my XXXX  credit report, I noticed multiple old addresses that are no longer relevant to my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or outdated information on my credit report, and I am requesting immediate action to remove all previous addresses associated with my file that are no longer valid.

Addresses to Be Removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Reason for Removal : These addresses are no longer associated with me, and they do not reflect my current residency.

Having outdated addresses on my credit report increases the risk of identity confusion and potential fraud.

The presence of multiple addresses can lead to inaccuracies in my credit history, which I wish to rectify immediately.

Supporting Documents : I have attached copies of the following documents to verify my identity and current address : A copy of my government-issued ID ( showing my current address ) A recent utility bill or lease agreement confirming my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX A copy of my Social Security card for identification purposes Action Requested : Per the FCRA, I request that you : Remove all outdated and incorrect addresses from my credit file Update my report to reflect only my current address Provide me with a revised and accurate copy of my credit report once these corrections have been made Deadline for Response : The FCRA requires credit bureaus to investigate and resolve disputes within 30 days. Please confirm receipt of this request and provide an update on the status of my dispute as soon as possible.

If you require further information, please contact me at XXXX or via mail at my current address.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these outdated addresses have been successfully removed. 

Sincerely, XXXX XXXX Email : XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief