vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two 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 tile account ( XXXX XXXXXXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks ]

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-04 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: AZ

Complaint narrative:
I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 2025-04-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 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: MI

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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I received a notice of a debt collection from Transworld Systems INC in XX/XX/year> for a debt that was not mine. I sent the notice back to Tansworld Systems which a box checked off not my debt and a a box checked provide original invoice. They did not provide invoice but sent another notice to collect debt on XX/XX/year>. I checked this collection agency out and discovered you have already fined them for sending fraudulent collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied and was approved for a Care Credit card. I planned on using this for any dental work I may need as well as for my dogs emergency vet bills should they ever arise. I was approved in XXXX. I believe and as of now XX/XX/XXXX, I still dont have the physical card. I have contacted their customer service multiple times which basically leads to their reps gaslighting me into thinking Im the idiot for not being patient. And the last rep I just called today literally hung up on me. However I think there might be some kind of issue with them since they cant seem to get a card to me.

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 2025-04-04 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX  XXXX Account # : 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 XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I just now received an phone call from bank of america resolution specialist XXXX XXXX to address my concern for my last complain. He narrated that if a claim is re-opened then as per regulation E for provisional credit within 10 business days is not applicable. Well when I ask the XXXXXXXX XXXX  it tells me opposite to that. I have attached and highlighted the search results that I got from XXXX for your kind review. Please clarify who is right. I am already suffering due to the fraudulent activity in my account and my bank is making it worst by not following Regulation E and its over 12 business days. Need your help. Thanks.

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 2025-04-04 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone is montioring everything I have which include phones, websites, online banking, medical records, you name it. The bank has had to change my accounts several times and cards, stop all online banking and how I work with my bank accounts. It's been a sad situation. I have put in police reports, FBI, FTC, FCC reports and changing my email addressses and personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed up I think it was XXXX was making a purchase through my XXXX account and said I was eligible for the prime credit card so I did it and was telling me XXXX  % interest for 6 months so thought ok Ill do it. Well than I realized I got charged interest. I contacted Chase thats who the card is and they said they are looking into it and havent heard back so wanted to open an investigation because I feel i was mislead. Other credit cards offer XXXX % interest for a year and I was only trying to get it for the 6 months that I saw in my terms. When I called agent said hes never heard of XXXX  % interest on the Prime card and said I had screenshots luckily I take them when something seems too good and uploading them to review and get the interest refunded back hopefully. Also was charged two late fees I thought I had auto pay setup but didnt take so didnt mean to be late and was told those were being refunded want to make sure that gets done. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to 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 explanation
Consumer complaint received 2025-04-04 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: MA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX  {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
1. Thieves broke into my CoinBase.com account. 

2. They then withdrew {$9800.00} from my bank account via XXXX ( Bank XXXX XXXX XXXX Coinbase ). They broke up the withdrawals into 35 small amounts 3. Thieves then added their own bank accounts / debit cards as a form of payment to my Coinbase account 4. Thieves then transferred money to their accounts 5. I discovered this fraud and transferred {$1700.00} still in my Coinbase account back to my bank, and then locked all accounts : Coinbase, XXXX, and my bank. 

I notified my bank of the fraud and my bank reversed 19 of the transactions that had already posted- {$4800.00} worth. The bank rejected {$4700.00} worth of the transactions still being processed through XXXX, and paypal demanded I repay them, which I did. 

Now, Coinbase is demanding I pay them the {$4800.00}. Both Coinbase and XXXX are trying to make me pay for this, and it is not right. 

Additionally, there is clearly a record of the funds being withdrawn to a bank account ( s ) in XXXX, several hundred miles from me. The thieves IP address was XXXX I have been robbed and I expect there to be justice and to have my money returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report as a late payment even after your investigation and reinvestigation you neglected to protect my consumer rights, when the following payment wasnt nor wasnt 30 days late when they XXXX neglected to charge payment on the payment due date during the COVID PANDEMIC, I would like this late payment removed immediately and UPDATED AS NEVER LATE AND ON TIME PAYMENTS, The inaccuracies are highly injurious to my credit score ( account name XXXX, account number # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The account needs to be updated as ON TIME PAYMENT NEVER LATE ON my credit report immediately due to not properly validating the information in which a company has passed to you please update it immediately when the requested above updates are made please mail me an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: MD

Complaint narrative:
Carmax Auto Finance threatening to sue me to should i not pay XXXX $ within 30days, without proof of validation if this account is mine or not, Gross violation of my consumer right by not providing forward flow agreement as per my earlier request and also not going through arbitration as a first dispute resolution mechanism as per the contract if all the credit account is validated as per the regulations letter and other copies attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group
State: WY

Complaint narrative:
called to get account number for both accounts, the asked if I wanted it removed from my credit report or just to pay it, I told them I would want to pay it and later if I wanted it removed I would call my attorney they stated they could not work with me if I hand an attorney. I told them they are legally obligated to provide the account number and address for payment and she refused stating she was not going to do this back and fourth and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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