vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: Synovus Bank
State: CA

Complaint narrative:
There are XXXX unauthorized charges on my statement The first XXXX was XXXX XXXX Car Rental for {$23.00}. I explained in writing and by phone that the charge is nit for anything I know about and XXXX did not know either. The second charge is on XX/XX/year> from XXXX for {$54.00}. I called and wrote explaining I have no idea what this charge is for and I have no idea who the company is. On XXXX  I canceled my card and requested a new card because of the {$54.00} charge. On XXXX a charge for {$140.00} from XXXX XXXX XXXX  was put on my card even though the card was canceled and was at already at my credit limit with no available credit. The {$140.00} was not for anything I know about. I rented a car from XXXX in XXXX and that was the last business I had with that company. I wrote and sent a message online. I talked on the phone for over an hour on XX/XX/XXXX and was assured by XXXX XXXX the problems would be investigated and I would not be penalized for being over my credit limit since I did not make the charge that put my canceled card over the credit limit. I made the minimum payment but it was applied to charges not made by me. Now my new statement says I have to pay the fraudulent charges because I'm over my limit. I have called 3 times and wrote to XXXX XXXX and they have not done anything but send the credit bureau a notice that I am late and over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
A majority amount of money on my checking has been taken with no consent or wrongfully. The app is very untrustworthy. When I need help they are never helpful and never give me reasonable or solid solutions to the problem at hand. I dont remember the dates because its been recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
There was many issues unauthorized charges that was never resolved also locking and closing account for withdraws that was authorized by me with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: AZ

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i, which mandates as a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provide consumer with the necessary proof of investigation

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Costumer Financial Protection Act ( CFPA ). Speciffically, 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 ( EPTA ) 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

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 in 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 causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 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 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 2025-01-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Complaint Regarding Re-Insertion of Previously Deleted and Unverifiable Debt I am filing this complaint against XXXX, Equifax, and the debt collector XXXX XXXXXXXX XXXX regarding the improper re-insertion of a previously deleted and unverifiable debt on my credit report. 

The account in question is XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. 
This account was originally submitted to my credit report by XXXX XXXX XXXX ( Original Creditor : XXXX ). 

Following a dispute, this account was deleted from my credit report because it was found to be inaccurate or unverifiable. 
A few months later, XXXX  XXXX XXXX submitted the same debt, and both XXXX and Equifax reinserted the account on my credit report without conducting a proper investigation or notifying me as required by the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : This situation involves potential violations of the FCRA, specifically : Re-Insertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : A consumer reporting agency can not reinsert deleted information unless the furnisher certifies its accuracy, and the CRA conducts a reasonable investigation. To my knowledge, no certification or investigation occurred.

Failure to Notify ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If reinserted, the CRA must notify me in writing within 5 business days. I received no such notification.

Failure to Investigate Disputes ( FCRA 611 ( a ) ( 1 ) ) : Both CRAs failed to conduct a reasonable investigation before re-adding this account. 

The improper re-insertion of this unverifiable debt has caused harm to my credit score and overall financial standing. The failure of XXXX and Equifax to comply with the FCRA has also caused undue stress. 


The attached documents demonstrate the following timeline : XXXX. In my credit report pulled in XXXX XXXX  XXXX XXXX XXXX was listed as reporting the debt. 

XXXX. In my subsequent credit report pulled in XX/XX/scrub>XXXX XXXX the entry for XXXX XXXX XXXX had been removed from my credit report. I also received formal notice from the credit bureaus confirming the deletion of this account. 

XXXX. However, in XXXX XXXX XXXX XXXX XXXX submitted the same account to both XXXX and Equifax, and the debt was reinstated on my credit report. This was done without any notification to me or an investigation by the credit bureaus, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mid-Atlantic Finance Co., Inc.
State: AL

Complaint narrative:
I have an unauthorized account on my credit report that needs to be removed immediately. 
MID-ATLANTIC FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 ( 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I never received the paperwork I asked for, then the company, put my account to collections, even though I had only 1 overdraft and my account was positive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

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 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One credit card for 2 years and I was told that I will be eligible for a unsecured credit card and credit line increase after 6 months of on time payment history. I have done that for 2 years and I haven't received anything. I feel like I am being XXXXXXXX XXXX against because there isn't any other factors that could make Capital One deny me credit. Then they send me offers just to deny me and say please apply at a later date. My credit score was XXXX and I was still denied a increase. This is my oldest account so I feel stuck and I think they know this. So could you please investigate this matter for me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT. 
CAPITAL ONE/WALMART XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Information on Credit Report Regarding Account # XXXX ( XXXX ) Dear Equifax, XXXX am writing to formally dispute inaccurate information listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Specifically, the account identified as XXXX, Account # XXXX, contains inaccuracies that are in violation of the following consumer protection statutes : 1. 15 U.S.C. 1681e ( b ) : Mandating credit reporting agencies to maintain maximum possible accuracy of all consumer information. These sections mandate that all information on a consumer 's credit report must be 100 % accurate and verifiable across all credit reporting agencies.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : Requiring the removal or correction of unverifiable or inaccurate information after investigation. These sections mandate that all information on a consumer 's credit report must be 100 % accurate and verifiable across all credit reporting agencies. 
3. 15 U.S.C. 1681s-2 ( a ) : Prohibiting furnishers of information from reporting inaccurate or incomplete data to credit reporting agencies.

The information related to this account is not consistent across all three credit reporting agencies, and this discrepancy violates federal law. As such, I am requesting an immediate investigation of this account. If you can not confirm its absolute accuracy and verifiability, I demand that the account either be updated to reflect accurate and consistent information or removed entirely from my credit report.

Under the FCRA, you are legally obligated to resolve this matter within 30-45 days of receiving this dispute. Failure to comply will result in further action, including legal proceedings to collect damages of {$1000.00} per violation as provided by the law. 
Additionally, it is important to note that on XX/XX/year>, the CFPB sued XXXX for failure to properly investigate consumer disputes and remove errors under FCRA laws. Furthermore, on XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to properly investigate consumers rights under FCRA. These actions are a reminder that the failure to comply with the FCRA will result in regulatory penalties and significant legal consequences. 

Please PROVIDE ME WITH A COPY OF MY CREDIT REPORT To support my dispute, I have enclosed : A copy of my credit report with the inaccurate account highlighted. 
Please confirm receipt of this letter and provide me with the results of your investigation, as well as any actions taken to resolve this issue, in writing. I expect a full resolution within the legally mandated timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-20 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:
I reviewed my Consumer Reports and noticed that I had one or more late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: GA

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 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 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 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 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  Georgia XXXX ] [ XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.CXXXX XXXX Subject : Dispute of Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute several hard inquiries that have been reported on my credit report, as outlined under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( n ). I believe these inquiries were made without my consent and do not reflect my actual credit-seeking behavior. 

The following inquiries were reported : XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXXXXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request the removal of any inquiries that were not authorized by me. I did not authorize these inquiries, and therefore, I request that you investigate these matters and take appropriate action to remove them from my credit report. 

Please provide me with a written response to this dispute within the time frame required by law. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation