vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute Cash Apps failure to properly investigate a fraudulent {$70.00} chargeback and the subsequent wrongful deactivation of my Cash App account ( $ geebb ). This matter has been previously filed with the CFPB under Case # XXXX and XXXX. 

XXXX. Misrepresentation by Cash App Agent * I was assured over the phone by a Cash App agent that my account would not be deactivated if I disputed the chargeback filed by the buyer. 
* Despite this promise, my account was permanently closed after I followed instructions. 
* I have proof of this phone call. 

XXXX. Ignored Evidence of Fraud I submitted substantial evidence that the chargeback was fraudulent : * Screenshots of the buyer acknowledging the transaction and confirming receipt. 
* Screenshots showing the buyer blocked me immediately after I confronted them * This is a textbook case of friendly fraud, and Cash Apps decision to reverse the funds contradicts standard chargeback protocols under Visa/Mastercard regulations XXXX 

XXXX. My Demands * Immediate reinstatement of my Cash App account. 
* Refund of the {$70.00}, plus a {$50.00} goodwill credit for the mishandling and stress caused. 
* Internal escalation of this case to your executive or legal team. 
* Preserve all records related to this transaction ( XX/XX/year>, {$70.00} XXXX payment ) and cooperate with law enforcement. 

XXXX. Escalation and Legal Action * Cash Apps failure to protect sellers and enforce buyer accountability highlights a broader systemic failure. 
* I will be forwarding this case to : * The Consumer Financial Protection Bureau * The Office of the Comptroller of the Currency ( OCC ) * The Georgia Attorney Generals Office * I am also preparing to file a small claims lawsuit under Cash Apps arbitration clause. 

Deadline If I do not receive a full resolution within 10 days, I will proceed with the above actions without further notice. 



Account Information : * Full Name : XXXX XXXX * Cash App Username ( XXXX  ) : XXXX XXXXXXXX XXXX  Phone Number Linked to Account:XXXXXXXX XXXX Email Address on Account : XXXX * Last 4 Digits of Linked Bank Account : XXXXXXXX XXXX  Date of Transaction in Question : XX/XX/scrub>XXXX XXXX XXXX XXXX Transaction Amount : {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I called Mountain America on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, trying to resolve my issue. My issue is regarding tax forms that I need for tXXXX XXXX XXXXXXXX XXXX  that I have with them. 

The issue is that they merged with XXXX XXXX  recently, and the stamens are no longer available online, so they have to physically obtain them for me. They have tried to blame XXXX, but XXXX clarified that Mountain America has all XXXX  tax statements in their possession. XXXX representatives even joined me on a three-way call with Mountain America to finally verify this. 

On XX/XX/XXXX Mountain America told me they were going to obtain my tax statements and email them to me but have not done so. 

The last time I called, XX/XX/XXXX, they had no idea what I was talking about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/year> I received notification from XXXX that someone using my ID/SSN information opened an account with The Goldman Sachs Group INC . The alert shows the account was opened XX/XX/year> and an Consumer CD account ( no account number listed in alert ). 

I have been victim of ID theft in the past and ALL credit agencies have my report frozen including ones like XXXX. 

At no point did Goldman sachs follow the ID theft alert placed on my accounts requiring them to call prior to opening any kind of account. The account rep I talked to said to place alerts on my credit reports and freeze them XXXX  THEY ALREADY WERE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
Hello. 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 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. 

Thank 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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
Please provide proof of ownership validation of debt correction of credit reporting documentation showing that youre agency has the legal right to collect a debt, including proof of transfer or sale of the debt, a full validation of the debt including itemized statement and the original creditors information a copy of your state license, including the license number they gave you right to collect Any debt in my state according to the 15 USC 1681 2 ( a ) ( i ). A charge of is considered income by the IRS and any critter that put a charge off on the credit report shouldve sent a 1099C farm a charge of any income should not be reported on a credit report, which is illegal XXXX set by Congress any transactions and experiences should not be reported on the credit report. Please remove this item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
After speaking with my bank, I was informed that they had been flagging my payments due to the account being new and mistakenly labeled as a savings account instead of the checking account it actually was. There was no communication to me except that the payments were declined ; neither the bank nor the credit card companies reached out. Unaware of the mislabeled account issue, I continued resubmitting the payments. Eventually, the fundsover {$1500.00} dispersed across five different cardswere received, but the credit card companies immediately closed all my accounts without further communication. I attempted to explain the situation, but they refused to consider my explanation or accept clarification from my bank regarding the mislabeled account mistake. 

I had paid down all my credit cards, leaving small balances to keep the accounts open, only to find out they were permanently closed. The reason given was insufficient funds in the account I was paying from, despite knowing there was more than enough money in that account. The day they shut down all my accounts, I discovered the real issue : my bank had incorrectly flagged the transactions as fraudulent due to a labeling error on my account. Even though the routing and account numbers were correct, the payments were marked as coming from an incorrect account. I had no idea until it was too late, and now Im being penalized for a mistake I wasnt even aware of. My bank didnt correct the issue or process the payments automatically, leaving me to deal with the fallout

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
XX/XX/year> My balance sheet for the month of XXXX is XXXX XXXX and the reflected balance is XXXXXXXX XXXX to XX/XX/year>.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting that TransUnion credit bureau be banned from accessing my private data. They have continually used an arbitrary, untested, and unaccountable algorithm to drop my credit score. TransUnion is an XXXX, exploitive entity who's purpose is profit over truth. I have raised my credit score to good with hard work, huge payments, on time payments, monitoring, etc. As soon as I do TransUnion alone drops my credit score each time. This is an algorithm that targets consumers who advance their standing and credit score. It was dropped each time I raised my score. I know this because I was told so by a Supervisor at XXXX XXXX, who explained it to me. My XXXX limit was {$1000.00}. I went over by literally {$2.00}, which I didn't sign up for ( overdraft ), and TransUnion dropped my credit score by XXXX points. There is a huge discrepancy in my score with this entity vs. the others. Last month, my credit score went up XXXX points after paying almost {$8000.00}. to pay down my debts. When I used my cards to pay for a few normal monthly good totaling {$200.00}, TransUnion automatically dropped my score again by XXXX points, sending my back to fair credit. They also dropped my score immediately after I filed a recent complaint on this site against them. No other credit reporting agency did this or changed my score. The algorithmTransUnion is using IS predatory and manufactures false information that punishes consumers without any accountability or recourse. This should be and perhaps is illegal. I want to sue them and expose this. TransUnion should in no way be allowed to access my private data. This company has to be held accountable for their practices.

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 2025-03-23 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: CA

Complaint narrative:
Some information was removed and some other information was not removed and some of the information does not match up to other consumer reports.

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 2025-03-24 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: NY

Complaint narrative:
The inquiries below are on my report not by my permission. These are the names and dates of each one. 
XXXX XXXXXXXX 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

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 2025-03-23 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Subject : Identity Theft and Fraudulent Account Complaint Against Citi Bank Best Buy Visa 1. What Happened?

I am a victim of identity theft and discovered fraudulent activity on my Citi Bank Best Buy Visa account. The unauthorized activity has resulted in a violation of my federally protected consumer privacy rights unde
r the Fair Credit Reporting Act ( FCRA ).

2. Description of the Incident Date Fraud Began : XX/XX/year> Total Fraudulent Amount : {$3400.00} Account Involved : Citi Bank Best Buy Visa ( ending in XXXX ) I did not open this account, authorize the charges, or provide consent for the transactions made. Despite my efforts to dispute the fraudulent activity, the company and relevant credit reporting agencies have failed to remove the false information from my credit profile.

3. Actions Taken by Me Filed an Identity Theft Report : I reported the fraud to the Federal Trade Commission ( FTC ) and submitted an Identity Theft Report to formally document the incident. 
Disputed the Fraudulent Account : I contacted Citi Bank and the credit reporting agencies to dispute the fraudulent account and request its removal from my credit report. 
Requested Investigation : I requested that Citi Bank conduct a thorough investigation and cease reporting the fraudulent information, but the issue remains unresolved.

4. Actions Taken by the Company Failure to Remove Fraudulent Information : Despite my dispute and submission of the FTC Identity Theft Report, Citi Bank continues to report the fraudulent account and debt to the credit bureaus.

Possible Violation of Federal Consumer Protection Laws : Citi Banks failure to properly investigate and remove the inaccurate information has violated multiple federal statutes, including : 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) Failure to respect my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Reporting consumer information without my consent. 15 U.S.C. 1692c ( a ) Improper communication from
debt collectors.

15 U.S.C. 1681c ( a ) ( 5 ) Reporting adverse, outdated, or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing inaccurate information to consumer reporting agencies.

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 2025-03-23 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: VA

Complaint narrative:
SENT MY DISPUTE IN FOR INACCURATE REPORTING ON MY CREDIT REPORT. I WANTED THESE ACCOUTS DELETED UNDER THE FCRA BECAUSE OF THIS. THIS DID NOT HAPPEN. ALL I GOT BACK WAS UPDATE AND VERIFIED. HOW WAS THIS AND THESE ACCOIUNTS HAD INACCURICIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUION AND EXPERIAN. ( YOUR COMPANY DID NOT DO YOUR JOB AND YOU HAVE A LAWSUIT AGAIST YOU FOR THIS. ) I WILL BE TAKING ACTION IF THESE ACCOUNTS ARE NOT DELETED IMMEDIATELY. THESE WERE THE ACCONTS THAT WERE SUPPOSED TO BE DELETED FOR VIOLATING THE FCRA. : ( 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  THESE ACCOUNTS HAVE INACURATE INFORMATION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, EXPERIAN AND TRANSUNION. I REQUESTED THAT THESE ACCOUNTS UPDATE THE LATE PAYMENTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY. THIS DID NOT HAPPEN. YOU SENT A RESPOSE OF UPDATED AND VERIFIED WHICH IS A VIOLATION OF THE FCRA. THESE ACCOUTS SHOULD BE UPDATED TO PAID ASGREED, NEVER LATE, PAID ON TIME IN THE WHOLE PAYMENT HISTORY. ( 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Earlier today, I was shopping at Macy 's in XXXX. I was asked if I wanted to sign up for a card, and agreed to do so. The representative never informed me that it was a credit card I was signing up for and I thought it was for a membership card for Macy 's. It wasn't until I finished the application that I was told that I applied for a credit card. To my surprise, it was already approved and I did not have a chance to cancel the application. I provided information that was not up to date, including an old email address that I use for spam as well as an old address because I was not expecting a credit card to arrive. I want to have my hard inquiry removed or to be reimbursed for the damages to my credit score. I was planning on getting a new credit card from a bank later in the year from a reputable bank after my credit has gotten better after the XXXX XXXX XXXX that I got. Now my plans need to be delayed as I wait for the inquiry come off the 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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Their most recent call was XX/XX/year> at XXXX XXXX. I keep blocking their calls but they just call back using a new number. I've told them a few times to stop calling me because the frequency of how often the call me could be considered harassment. Yet, two to three times a day every day the call me nonstop. It's gotten to the point where I have my phone on silent which has caused me to miss a lot of important calls from work, friends, and family. It's stressing me out a lot and they won't stop with these calls. It's even affecting my work performance. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sent an " Attorney Review Planned '' letter post dated XX/XX/year> from Midland Credit management for a XXXX XXXX XXXX  Pay debt of XXXX. Midland is not the original debt owner and has not sent any proof that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
On XX/XX/year>, I submitted a formal written dispute to Experian by certified mail, disputing multiple fraudulent accounts that I did not authorize or open. These accounts included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) I included all required documents : A copy of my government-issued ID Proof of address A copy of my FTC Identity Theft Report A highlighted credit report referencing the fraudulent accounts Despite being legally obligated under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to investigate and respond within 30 days, Experian failed to respond appropriately. Instead, they returned a generic response stating that my request did not appear to be sent by me or authorized by me which is factually incorrect and unsupported. 

This response is an attempt to stall or avoid their legal duty to investigate. My dispute included all required identifying documents and came from my verified mailing address. Additionally, 15 U.S.C. 1681c-2 requires Experian to block fraudulent information when identity theft has been reported and supported by an FTC report and identification which I provided. 

Their failure to take action violates my rights under the 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 2025-03-23 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: MS

Complaint narrative:
I HAD 7 ACCOUNTS THAT WERE TO BE DELETED FROM MY CREDIT REPORT. THEY DID NOT GET DELETED. THEY WERE WRONG AND INACCURATE BETWTEEN EXPERIAN, TRANSUINION AND EQUIFAX. THEY VIOLATED THE FCRA. THESE ACCOUNTS MUST BE DELETED NOW. ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXI HAD ACCOUNT THAT I WANTED UPDATED IN THE PAYMENT HISTORY TO NEVER LATE BECAUSE IT WAS REPORTING THIS LATE PAYMENT INACCURATELY BETWEEN EQUIFAX, TRANSUINON, EXPERIAN . ( 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