vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( BLOCK, INC. ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPB ). 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 ... ... ... ... .... $ XXXX is the name of my Cash App handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was added to aXX/XX/XXXX but was then removed shortly after this happened. This was roughly one month ago and Equixfax has yet to remove this from my credit report despite submitting a dispute on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have made several payments to a company called XXXX. XXXX stated they didnt receive one of the payments. I showed them my statement where payment was deducted. That wasnt enough so I disputed the transaction with my credit card company navy federal credit union. I needed proof of transaction or batch information from navy federal, anything to prove I paid XXXX XXXX. Navy federal didnt even investigate like I requested. They closed the dispute stating I didnt provide enough information. They didnt ask for more so I could provide more information. I need proof of payment to prove to XXXX that I dont owe the balance they are stating I owe. Navy federal doesnt need to close case they need to honor my dispute and assist me with resolving this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2024, XXXX XX/XX/year>2024 & XXXX XXXX XXXX/XXXX/2024

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Funds was removed from my account each month for {$49.00} wouldnt without my consent or permission. It was over {$200.00}. I would like for Navy Federal to refund me my money because those payments was made without my knowledge to defy XXXX for the amount of {$49.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
I am writing to address a serious issue with my credit report. It has come to my attention that an account listed on my file was opened using unauthorized and fraudulent use of my identity. I want to make it very clear that I did not authorize this account, nor do I have any association with it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-02-19 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: TN

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-02-19 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXX/XX/XXXX# XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$25000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Upon reviewing my records, I found no information or documentation linking me to this debt. Therefore, I am disputing the validity of the debt and requesting that it be immediately removed from my credit report. The information listed is incorrect, and I believe it is not associated with me. 

I previously reached out to your company on XX/XX/year>, requesting clarification and documentation regarding this debt. Unfortunately, I did not receive any response or sufficient evidence to validate the debt, as required by law. 

Therefore, I am requesting the following : Proof of the debt : Documentation verifying the debt and its connection to me as required under the Fair Debt Collection Practices Act. 
Immediate removal of this debt from my credit report with all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Inaccurate information on my credit report name spelled wrong and accounts settled out but still not placed in XX/XX/XXXX andXX/XX/XXXX on inquiry they just went through a data breachXX/XX/XXXX2025

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear CFPB, I am filing a complaint against Chase Bank regarding their mishandling of a fraudulent transaction dispute on my Chase Sapphire XXXX  credit card ending in XXXX ( recently was issued a card replacement, new card number ends in XXXX ). Despite clear evidence that I was scammed, Chase has repeatedly denied my dispute, failing to properly investigate the case. 

On XX/XX/year>, my wife purchased a XXXX XXXX XXXX XXXX from an XXXX seller for {$960.00}. The seller provided a tracking number that was later used as " proof of delivery. '' However, the seller fraudulently sent an empty XXXX envelope to the wrong address instead of the camera we purchased. 

**Key Facts Supporting My Dispute : XXXX. XXXX confirmed that the package was an empty envelope and not the camera. After contacting XXXX, I was able to retrieve the package, which was clearly not the item I paid for. 
XXXX. The seller used a " tracking number scam '' a known fraud method where a seller ships a lightweight, worthless package to a different address so the transaction appears as " delivered. '' XXXX. Chase denied my dispute without properly investigating, stating that XXXX provided a tracking number. However, they failed to consider what was actually delivered, which was not the purchased item. 
XXXX. I attempted to resolve the issue with both XXXX and Chase, but neither provided a fair resolution. XXXX refused to intervene, and Chase ignored key evidence that this was fraud. 

Desired Resolution : I request that Chase be required to properly investigate this dispute and issue a full refund of {$960.00}, as I did not receive the product I paid for. Additionally, I ask that CFPB review Chases dispute handling process to ensure they are not automatically siding with merchants when fraud is evident. 

I have attached the following supporting evidence : - Screenshot of my XXXX purchase details ( showing item, seller, and price ). 
- XXXX documentation confirming that the package was an empty envelope** and not the purchased item. 
- Photos of the received package ( empty envelope ) as proof of fraud. 
- Chases dispute denial response. 
- A letter and a voicemail from the local XXXX office confirming the contents of the package and incorrect shipping address listed. 

This is a clear case of frau*, and I appreciate the CFPBs assistance in ensuring that Chase follows proper dispute investigation procedures. Please let me know if any further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXXthru XX/XX/XXXX unemployment pandemic paid put XXXXBank of America only has recorded XXXX I called Bank of America they told me to call an unemploymentoffice or call unemployment office they tell me to call Bank of America so it's been going around in circlesXXXX send also betwin XX/XX/XXXXthrXXXXXX/XX/XXXX I did not receive the {$720.00} payments at the ATM or withdraw the first purchase on that card was was fraud from a wireless XXXX wirelesstelephone company.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
These are the hard inquiries that are fraudulent on my report. 

Premium credit bureaus XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian business XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a fraude report with all three credit reporting agencies. on XX/XX/year>. and the that time I had XXXX hard inquiry that I ask to be removed because I never applied for credit, now I have XXXX hard inquiry on my report that I didn't approve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a fraude report with all three credit reporting agencies. on XX/XX/year>. and the that time I had XXXX hard inquiry that I ask to be removed because I never applied for credit, now I have XXXX hard inquiry on my report that I didn't approve.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXX/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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Contacted the collection company via certified mail XX/XX/year> with a detailed debit validation letter. I requested. All signature pages and consent from myself regarding this debt. This debt validation letter asked for proof of ownership over the debt and how this debt amount was concluded they sent me a copy of a bill from another company without providing me the validation that I owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: OK

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Reporting Act ( FCRA ), 15 U.S.C. s 168i which mandates a reasonable investigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed these items. I request that the CFPB take action to ensure Experian complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXX/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 2025-02-19 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

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 2025-02-19 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: GA

Complaint narrative:
I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit file. These accounts are inaccurate, incorrect and misleading ; can not be verified nor validated. 
Disputed negative accounts are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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