vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: Block, Inc.
State: NC

Complaint narrative:
ON XX/XX/year> at XXXX XXXX a charge labeled XXXX XXXX XXXX XXXX  was withdrawn from my cashapp account using ACH. I called XXXX to inquire about the transaction and they have no record of the transaction in their system. I also checked my transaction history in my XXXX account and there is no record of the transaction. I called cashapp and disputed the transaction but they concluded that the charge was from XXXX and that I need to take up the matter with them. So, once again i called XXXX about the transaction and they again stated they had no record of the transaction, they also asked my for a transaction ID so they could track the charge but cashapp will not provide me with one. So, i have no idea what this transaction is for and neither cashapp or XXXX will refund me my money. I also received an email from an email address called XXXX that XXXX have included below. This whole thing is very fraudulent and cashapp and XXXX can't provide me with any information about this charge. Both companies claim the other is responsible for the charge and just keep sending me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I opened an account with XXXX to purchase XXXX XXXX. I added XXXX of my bank accounts to source funding for the XXXX I made XXXX purchase and almost immediately for no reason the account was frozen. I contacted them right away and they asked for a photoof my photo ID as well as a selfie with photo ID and a numeric code they provided. After I provided this they responded that it would be unfrozen within a few minutes. That never happened and since then I have contacted them every day for the past 10 days requesting support. In all those emails I have received XXXX responses saying they are working on it and it will be unfrozen right away. I have {$1000.00} cash as well as almost the same amount in XXXX I purchased and XXXX of my bank accounts linked to their platform so I am very worried about not being able to access my account. There is no way to contact them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello : I just want to make you aware of this scam. 
Years ago, I had and paid off a student loan. There has never been any issue. 
Today I received a generic email that is clearly a scam. 
I hope you are still in businees and have someone to make a note of this and follow up if there is a way to. 
I did not reply to the email and intend to delete the email once I am confident this complaint has been sent to you. 
Thank you. Belows is a copy and paste of the e-mail as well as header info. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Text of message : XXXX XXXX XXXX XXXX ( 16 minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX with the Student Loan Debt Department XXXX This is regarding your case number XXXX. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new 2025 guidelines. Your file will remain open in my system for only one more day. Please give me a call at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( PST ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted in, Advertising Services, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX... we are a marketing service. If you wish to contact the company mentioned, please dial the number above. If you want to get off our marketing list, go to the following link and enter your emailaddress : STOP THE EMAILS. 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello : I just want to make you aware of this scam. 
Years ago, I had and paid off a student loan. There has never been any issue. 
Today I received a generic email that is clearly a scam. 
I hope you are still in businees and have someone to make a note of this and follow up if there is a way to. 
I did not reply to the email and intend to delete the email once I am confident this complaint has been sent to you. 
Thank you. Belows is a copy and paste of the e-mail as well as header info. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Text of message : XXXX XXXX XXXX XXXX ( 16 minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX with the Student Loan Debt Department . This is regarding your case number 31011. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new 2025 guidelines. Your file will remain open in my system for only one more day. Please give me a call at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( XXXX ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted inXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX... we are a marketing service. If you wish to contact the company mentioned, please dial the number above. If you want to get off our marketing list, go to the following link and enter your emailaddress : STOP THE EMAILS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was informed that changes would be made to my personal information because I keep getting denied credit. This has had a marked negative impact on my life.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was informed that changes would be made to my personal information because I keep getting denied credit. This has had a marked negative impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I spoke to a representative at the company XXXX XXXX to resolve this situation. However, they refused to help. I took out a payday loan of {$1400.00}, it was disbursed to my bank account on XXXX XXXX XXXX. The first payment of {$140.00} was taken from my account on XX/XX/scrub>XXXX XXXX XXXX. Since then I have made a total of 16 payments totaling {$2300.00} Overpaying {$970.00}. I was told my interest was 500.24 %. I can no longer afford to pay this loan.

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 2025-02-27 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Credit Bureau Name ( Experian, Equifax, or TransUnion ) Subject : Dispute of Incorrect Debt Reporting XXXX  Account XXXX To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report. The account in question is a collection account from XXXX ( Account XXXX XXXX XXXX XXXX  originally owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with a current balance of {$1600.00}. 

This debt is being incorrectly reported as my responsibility. However, this charge is related to an industrial accident that occurred while I was at work, and the full balance was covered and paid by Workers ' Compensation. Since this debt was not my personal financial obligation and has been settled by the appropriate insurance, it should not be reflected on my credit report as a derogatory mark.

I kindly request that you remove this inaccurate information from my credit report immediately. Please investigate this matter and update my report accordingly. Attached, you will find supporting documentation, including any relevant Workers Compensation records and payment confirmations, to verify that this debt should not be associated with my personal credit history.

In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you need any further information, please contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, 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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
They do not reflect my accurate credit history. 
As per the Fair Credit Reporting Act, I kindly request that you initiate an investigation into this matter, and subsequently, upon verification of the enclosed documents, remove this collection account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-02-27 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: NC

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  Date Opened XX/XX/XXXX Balance {$860.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$610.00} XXXXInquiriesXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited a check from [ XXXX XXXX  ] in the amount of {$5000.00} into my Citizens Bank account. The funds have already been withdrawn from the issuing account at XXXX, meaning the check has cleared and is no longer pending. However, Citizens Bank has placed an extended hold until XX/XX/XXXX, despite no legitimate reason for doing so. 

I have contacted Citizens Bank multiple times, and they have given inconsistent explanations. First, they claimed they were waiting to verify the check. Then, they stated the Federal Reserve is holding my funds, which is not how check clearing works. The Federal Reserve does not hold individual consumer deposits. 

At this point, Citizens Bank is holding my money for their own security, not mine. This is an unlawful delay of funds, as the check has already been processed and deducted from the issuing bank. 

I am requesting that the CFPB investigate Citizens Banks handling of my deposit, as they are violating the fundamental principles of fair banking by restricting access to funds that have already cleared. 

I spoke to supervisors XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I had multiple declined transactions on my card on XX/XX/year>, and over the last week- I received no notifications from Chime. I had disputed a small {$21.00} transaction last week. This morning I had an email saying they 'found no error ' and would not credit my account - that the dispute was being closed. I called customer service and they have locked down their call line so you can not reach an actual person. I had to choose file a new dispute to get through. That in itself is a problem- when I have thousands in my account and can't access my funds. When we looked at my account, my active debit card had been removed from my account altogether! The rep then proceeded to tell me that, because of XXXX of the Answers on my dispute form, they had canceled my card! Even though I received no notifications or option to keep my former card! This was not a fraud dispute at all. Their form has a multiple choice answer with XXXX vague descriptions that rarely match your transaction issue. They give you no open data entry place to describe your issue. Then they just automatically deny your dispute. When I asked her why they did not contact me before canceling my card, she just read a rote answer about their dispute process and hung up on me. I called XXXX times and received no answers or apology for all the inconvenience. More hangups, like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation