vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Coinbase Inc. charged me {$29.00} for their coinbase one product subscription, i did not sign up for or request this product this happened on XX/XX/scrub> 2025, i immediately contacted them to dispute/complain and requested a refund after hours of trying to get a live agent to speak with thru their XX/XX/XXXX i finally got someone who started making excuses why they couldnt refund the money, days and weeks went by trying to get someone on the phone live. i had to skip down phone numbers to finally get someone, they were annoyed i managed to do that more than interested in helping me... days later someone finally called me back and had me download several different APPS to my phone so i could screenshare and prove my case which i did. they told me the refund would be processed and that was that i thought. Today i got a call from another guy saying the refund couldn't be processed because of a problem with my checking acct, i went on their App and it says i am connected so i told him that and then i said not only that but the XXXX i still have there it wont let me cash out so i can close the account and be done with them and he started to yell at me so i said i'm just going to file a complaint with the CFP, ,FTC and Sec and when i said that he hung up on me. so I'm filing this complaint. It's been 3 weeks and i still haven't gotten my refund, i have filed a dispute/fraud case with my bank and blocked Coinbase from access to my acct for any withdrawals but deposits are allowed. This company is shady as they come and all this over {$29.00} and {$1.00} still in the acct i can't get back either, imagine if it was alot of money? they should be shut down and investigated on a federal level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and anxiety while undermining my financial stability.

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 2025-01-31 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:
Money was transferred to people that I had no idea who they were from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I paid the collection amount of XXXX XX/XX/XXXX they told me this will be removed from my credit profile they sent me a deletion letter and receipt of payment. The account has not been removed from my credit profile. This has been disputed multiple times and has come to no resolution. Thursday XX/XX/XXXX I spoke with an XXXX rep who told me there was nothing she could do because the company said no they are not removing the account from the profile. She gave me a number to call with a name. Friday XX/XX/XXXX I called the company and she told me its the Bureau thats supposed to remove the account because they submitted it to be removed. She stated the person XXXX gave me does not work there and has not for years. She continued to get hostile with me as Im telling her I understand and was trying to get clarification on the issue. It has been 5 months NothXXXX has been resolved and the account is still on my profile. If this person has not worked there for years where is XXXX getting the information from? It seem as if XXXX is not taking the proper action or XXXX is not conducting a proper investigation of the documents submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 non-monetary relief
Consumer complaint received 2025-01-31 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Ive booked XXXX tickets with XXXX XXXX on XXXX Ive had an issue with my sky miles number. Ive googled the sky miles customer service and called a number only for fixing the number. 
They pretended that they are XXXX which they were not and told me in order to fix that problem they need to cancel my original tickets and reissue another ticket and I will get refund from delta. They ( XXXX XXXX ) charged my credit card for {$4100.00} on XX/XX/year> for new tickets and they gave me the same tickets from XXXX with the same ticket number and same confirmation number. 
Since then Ive disputed this charge 4 times and every time American Express closes my dispute and leave the charge on me. Ive sent my original tickets to AMEX to compare the numbers with XXXX XXXX documents but they dont listen. 
Ive been charged XXXX times for same tickets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid the collection amount of XXXX XX/XX/XXXX they told me this will be removed from my credit profile they sent me a deletion letter and receipt of payment. The account has not been removed from my credit profile. This has been disputed multiple times and has come to no resolution. Thursday XX/XX/XXXX I spoke with an Experian rep who told me there was nothing she could do because the company said no they are not removing the account from the profile. She gave me a number to call with a name. Friday XX/XX/XXXX I called the company and she told me its the Bureau thats supposed to remove the account because they submitted it to be removed. She stated the person Experian gave me does not work there and has not for years. She continued to get hostile with me as Im telling her I understand and was trying to get clarification on the issue. It has been 5 months Nothing has been resolved and the account is still on my profile. If this person has not worked there for years where is Experian getting the information from? It seem as if CSPB is not taking the proper action or Experian is not conducting a proper investigation of the documents submitted.

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 2025-01-31 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-01-31 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: LA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-01-31 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX is in violation of consumer laws by allowing RESURGENT/LVNV FUNDING to report an unverified REINSTATED collections to my credit account. 

XXXX did not make me XXXX XXXX, ( the consumer ) aware before allowing a reinstatement of an account that has already been noticed as ( Account XXXX XXXX ) and removed from my XXXX report for that last 2 years. 

The original account holder is XXXX XXXX and was documented as ( Account XXXX XXXX ) and removed from my credit report back in the end of XX/XX/XXXX. 



RESURGENT/LVNV FUNDING Has no legal contract with my signature agreeing to do any type of business with them. They are violating consumer laws and need to be completely removed from my credit report ASAP. 

It has been brought to my attention that there is a lawsuit against XXXX, by the CFPB for ( XXXX XXXX XXXX XXXX XXXX XXXX ) This is a clear notice that your negligence will cause penalty and compensation to the consumer ( XXXX ) XXXX XXXX if negligence is practiced with this investigation. 





RESURGENT/LVNV FUNDING Has also been made aware of the invalidity of alleged debt that they purchased from XXXX XXXX. 

Ive filed XXXX plus XXXX complaints requesting XXXX XXXX to provide proof of all alleged charges made with the secure credit card before closing in XX/XX/XXXX. Ive made clear in multiple CFBP complaints for XXXX XXXX to provide ONLY purchase transaction statement with the amount of each transaction and the name of the companies/merchants with location and date of charge. Theyve willfully ignored my request as show in attached documents speaking to monthly fees ( not relevant without proof of charge balance ) With every response they pretend as though theyve given me the information that Ive requested. Theyve even gone as far as to mark my disputes as duplicates and closing them out immediately. 

RESURGENT/LVNV FUNDING You are being put on notice that you are in violation of consumer laws and will also be held accountable for damages if you choose to not remove yourself from reporting from all with the knowledge of XXXX XXXX willful negligence to prevent full and valid information for this negative account. If this complaint is closed and your reporting from all is not removed, you will receive a list of consumer laws your in violation of and damages will be calculated in addition to this notice. Knowing XXXX XXXX allegations of charges without providing them and willful disregarding show your willingness in violation of consumer fair credit reporting. 
There is a list of collections companies that are no longer allowed to operate because of their willful violations of the consumer. Dont compromise your ability to stay in business over this shady accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
I was called by XXXX except not XXXX was a hacker He was in my computer every night I expressed anger that XXXX was taking up all my time & they said they would pay for my time I said no don't want wait months for check they said we can pay off some of your c card debt i agreed they paid some but walked away with XXXX. From my checking account I called bank said please change cards and I changed passwords I did try to verify they were XXXX, but I couldnt reach anybody at XXXX live. I did call the police. Ive made a police report. Ive given them the name and the phone number. The person called me on XXXX had been in my phone and computer five other times thats why I believe it was XXXX but they didnt lose anything Capitol One and Im XXXX XXXX XXXX and Im trying to start my life credit cards my own my husband just died two years ago. I cant start fresh with that Credit I wont be able to even lose anything I didnt do anything. Why cant I have my credit cards? I paid two to {$400.00} a month on them, I owe less than {$1200.00}. Please help me get my credit card back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-31 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-31 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-31 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:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
My federal student loans were transitioned to Mohela in XXXX. In XX/XX/XXXX Mohela experienced a " platform change '' that caused disruption to my autopay as well as an inaccurate reflection of my payment history. I am in need of an accurate payment history to provide proof of payment to my employer who is assisting me with a loan repayment program. I have been repeatedly contacting Mohela 's customer service line since XX/XX/XXXX requesting a letter that details an accurate payment history. When contacting the customer service line wait times have been upwards of XXXX hours. Often times when I finally get a call back I am then informed that the person is unable to assist me and that I will need to be transferred to another individual only to be placed again on hold for hours. There have even been instances where I did not receive a call back because my estimated wait time exceeded their hours of operation for that business day. My letter request has been submitted upwards of XXXX or more times and incorrectly completed each time despite my explanation that my payment history needs to be pulled from the " old platform '' to accurately detail my monthly payments. After XXXX months of calling weekly, sometimes even more than once per week, I still have no resolution. I have been told that they are unable to correct my account history on their " new platform '' so I can not personally access an accurate payment history to provide to my employer to continue with their loan repayment program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation