vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
My old room mate used my credit to open accounts. These are not my accounts. Please remove these from my credit. Also if the credit reporting places do not handle my case correctly please include my in the lawsuit against them for failing to correctly process the dispute. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
My old room mate used my credit to open accounts. These are not my accounts. Please remove these from my credit. Also if the credit reporting places do not handle my case correctly please include my in the lawsuit against them for failing to correctly process the dispute. 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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
I have money in my Robinhood account that I cant withdrawal due to the restrictions they put on my account. I had a brand new account and deposited money and made trades. Within a couple of days I tried to transfer some money back to my bank account and the transaction failed for unknown reason per Robinhood. They immediately placed restrictions on my account not allowing me to withdraw my own money. It has been over a month and I have contacted them several times by phone and they keep telling me it will be rushed and taken care of and it has not. They have since locked the chat or call option so I can not reach the support center at all! Everyday they extend the estimated date for the issue to be resolved. They are fraudulently holding my money hostage!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-19 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: NY

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a debt collection letter from the company XXXX XXXX Incorporated on behalf of XXXX XXXX date XX/XX/XXXX. I contacted XXXX XXXX to let them know that I had already made all of my payments required for my account and actually had a negative balance that they owed me in the amount of {$34.00}. The representative shared that the system they use to complete patients billing statements had kicked me off of my payment plan that was initiated on XX/XX/XXXX immediately the next day XX/XX/XXXX therefore triggering a bill to be sent out to me XX/XX/XXXX stating that I owed {$140.00} when I had in fact paid the remaining balance of {$910.00} on XX/XX/XXXX. I did not receive any missed payment notices or any updated payment balances regarding the account. I questioned why I would have received a document from collections stating that I still owed a balance after it had already been paid in full as the service dates that were missing payments were for XX/XX/XXXX and XX/XX/XXXX, but I not receive any notification. I believe this system is predatory and purposefully kicks patients off of their initiated payment plans in an and effort to fraudulently collect funds. Accounts should be 120 days old for missed payments. But my balance was paid in full on XX/XX/XXXX and my date of service on the collections was XX/XX/XXXX and XX/XX/XXXX and the notice was sent out on XX/XX/XXXX. That is not 120 days for either of those charges. The representative from XXXX XXXX noted that I did not have a balance on my account and that I should not have received a notice from collections as my account was technically in the negative because they owed me a balance. I am requesting to have this looked into because something seems very off with how I was kicked off the payment plan one day after setting it up and received no notification when my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I just checked my credit report and was shocked to find a collection account I dont recognize. I truly believe this is inaccurate information. I've been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits also preventing me from accessing the credit I need, making things even more difficult. 

I feel overwhelmed and unsure of what to do next. Im reaching out for your help in removing this fraudulent account. Any support you can provide would mean so much to me. XXXXXXXX XXXX  and 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 2025-03-19 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened XXXX secured credit cards with XXXX XXXX. XXXX was automatically upgraded, and my security deposit was refunded after XXXX months with no issues. However, my second XXXX XXXX secured card, opened on XX/XX/year>, has not been upgraded despite being in good standing for XXXX  months. 

I contacted customer service multiple times, and I was given conflicting answers. First, I was told my account was under review. Then, a supervisor told me the only way to get my deposit back was to close my account. This is not standard practice for secured cards and is not the experience I had with my other Capital One secured card, which was upgraded properly.

I believe Capital One is unfairly holding my deposit hostage and is refusing to upgrade my account without cause. I am requesting my deposit be refunded immediately without closing my account, or a written explanation as to why I was denied an upgrade after XXXX  months of responsible use. 

Additionally, I want an investigation into why Capital One upgraded one of my secured cards automatically but refuses to upgrade the other, despite both being used responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
So, I contacted XXXX XXXX back in XX/XX/XXXX stating that my allotment was kicked back due to an error with payroll within my company and I asked for the information that I needed to get my allotment back on track. I was given the information, and I placed my allotment back into active status. I received a call from XXXX on XX/XX/XXXX stating that I owed over {$500.00}, and I asked how and I wanted an explanation because {$110.00} comes out of my account every XXXX weeks but I wasn't given anything. A few days later I got an alert stating that my credit score had declined over XXXX points due to the report from XXXX with inaccurate information and I need assistance to get this negative late off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against Chase regarding unauthorized charges on my credit card, which Chase wrongly determined as valid. 

On XX/XX/XXXX, I discovered that my card was fraudulently charged approximately {$460.00} by a merchant named XXXX XXXX without my authorization. These charges occurred between XX/XX/XXXX, and XX/XX/XXXX, and were made in multiple small amounts ( around {$27.00} and {$13.00} each ) within a short period, which is an abnormal spending pattern. 

I immediately disputed these charges with Chase on XX/XX/XXXX, explaining that I did not authorize them. At that time, Chase locked my card and refunded the {$460.00} to me. The Chase representative mentioning that many customers had recently reported unauthorized transactions. 

The next day, I received the refund and believed the issue was resolved. However, to my shock, these fraudulent transactions reappeared on my XX/XX/XXXX statement. 

On XX/XX/XXXX, I called Chase again to dispute the charges, and I was informed that they would take XXXX business days to investigate. However, on XX/XX/XXXX, after completing their investigation, Chase denied my claim and insisted that I was responsible for these charges. This decision is unfair and does not consider clear evidence proving these transactions were fraudulent. 

Here were my evidence : XXXX. I was physically in XXXX at the time of the transactions, making it impossible for me to have made these purchases. When I received the fraud alert on XX/XX/XXXX at XXXX XXXX, it was around XXXX or XXXX in XXXX on XX/XX/XXXX, I was asleep at that time. 
XXXX. After my card was locked on XX/XX/XXXX due to fraud, XXXX XXXX still attempted to charge my locked card. This strongly suggests that the previous charges from this merchant were also fraudulent. 
XXXX. The pattern of transactions was highly XXXX transactions of approximately {$27.00} each in a short time frame, which does not match my typical spending habits. 
XXXX. I never authorized or interacted with XXXX XXXX. 
I can provide my travel records, Chase fraud alert messages, and emails proving that the fraudulent merchant attempted to charge my locked card. 

I have spent hours communicating with Chase, yet they refused to correct the issue, causing me financial loss and unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 action 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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach at your institution, which resulted in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. 

The fraudulent accounts that need immediate removal from my credit report are as follows : XXXX XXXX Account Number : XXXX, Balance : {$6000.00} XXXX XXXX Account Number : XXXX, Balance : {$3500.00} Additionally, I have XXXX accounts reporting under XXXX XXXX XXXX XXXX for the same account, XXXX of which reflects an available credit balance of {$240.00} with a minimum balance of {$54.00}. I demand the immediate removal of the XXXX XXXX XXXX XXXX account showing an available credit balance of {$240.00}, as it is the duplicate. The other XXXX XXXX XXXX XXXX account, which is showing a XXXX balance, should remain on my credit report. 

These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable.

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are clear, non-negotiable, and demand your immediate attention.

Final Demand for Resolution This issue arises directly from your failure to adequately protect consumer data during the XXXX  breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation.

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 2025-03-19 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Dear [ CFPB Representative ], I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I recently discovered that an account was fraudulently opened using my personal information, and I want to make it clear that I have never conducted business with this entity. 

I am a victim of identity theft, and this unauthorized account is negatively impacting my credit. I am requesting an immediate investigation and the removal of this account from my credit report. 

I have taken the following steps to address this issue : Contacted the creditor to report the fraudulent account. 
Filed a report with the Federal Trade Commission ( FTC ) at XXXX. 
Placed a fraud alert on my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
XX/XX/year> XXXX EST - XXXX XXXX - XXXX. Get email notification that I applied for a U.S. Bank XXXX XXXX account. 
XX/XX/year> XXXX EST - XXXX XXXX - XXXX. Get email notification that i applied for a U.S. Bank XXXX XXXX XXXX. 
XX/XX/year> XXXX EST - Called ( XXXX ) XXXX and told US bank that these were fraudulent and to close these applications and to not open anything with my name or social security number. This was a XXXX minutes and XXXX second phone call. 
XX/XX/year> XXXX EST - XXXX XXXX - XXXX. Get email notification that i applied for a U.S. Bank XXXX XXXX. 
XX/XX/year> XXXX EST - Get email stating that U.S. bank opened up the smartly savings application ending in XXXX. 
XX/XX/year> XXXX EST - Get email stating " Let 's add money to your U.S. Bank XXXX XXXX account. '' XX/XX/year> XXXX EST - Another email stating " Lets add money to your U.S. Bank XXXX XXXX XXXX " XX/XX/year> XXXX EST - Called ( XXXX ) XXXX Let them know these were fraudulent and that i had already requested that these be closed and to not open up anything else with my name or social security number. The person on the phone said that they can not close my account. 

After i called and told them not to open up anything in my name or social security number while these were still applications, they still opened up accounts the next day.If they would have cancelled those applications i would not have had any accounts opened up in my name.

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiries : XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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