vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX for falsely reporting a late payment on my credit report. 

I previously disputed this with [ Experian/Equifax/TransUnion ] XXXX but my dispute was wrongfully denied despite clear evidence that the report is inaccurate. 

Issue : I called Credit Strong and they agreed that if I paid my balance in full and closed my account, they would report it as paid on time. I followed their instructions and paid in full before closure, yet they still reported a XXXX late payment. 

Violation : Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), Credit Strong is required to accurately report information to the credit bureaus. By failing to do so, they are violating federal law and damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have a complaint against XXXX XXXX, the owners of Cash App. While working on my back taxes at XXXX XXXX, we discovered multiple years of cryptocurrency buying and selling, as well as trading activity through the app. The amounts were never large enough for me to notice, and I can confirm I have not engaged in any trading. I was required to declare {$1200.00}, {$600.00}, and {$700.00} in income, totaling {$2500.00}. My tax representative explained that this was from trade profits related to the sale of cryptocurrency. I found this information on the IRS website, in my tax transcripts, while printing them out. There were about XXXX pages per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi bank held my payroll deposit check after I provided all information because a XXXX search showed a different number for me. Its caused me to be late on all my bills and took XXXX weeks for me to access my payments

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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
I have had my account with cash app for several years now. In XXXX, I started using it for my home based busines XXXX XXXX  as well as my other business adventures. Upon making several purchases I noticed that I had some extra charges. I tried several times to contact someone by phone to explain my situation but to no avail. I have only been able to get XXXX. No human contact at all. I have lost thousands of dollars using cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$7500.00} XXXX  XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MA

Complaint narrative:
What Happened?

I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) are refusing to remove an unverifiable account from XXXX ( XXXX XXXX  ) despite multiple disputes. 

Key Issues : XXXX. The Account Can not Be Verified I have disputed this account multiple times with the credit bureaus. 
XXXX ( XXXX XXXX  ) has failed to provide any valid documentation proving that this account belongs to me or that the information reported is accurate. 
Under FCRA 611, if an account can not be verified, it must be removed from my credit file.

2. The Bureaus Have Not Corrected or Deleted the Account Despite several dispute attempts, the credit bureaus have refused to remove the account.

This violates FCRA 623, which requires data furnishers ( XXXX ) to provide accurate information or correct/remove unverifiable accounts. 
XXXX. This Account is Inaccurately Impacting My Credit I have never missed a payment, so this account should not be negatively affecting my credit. 
The charge-off status is incorrect and should not be reported.

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 2025-02-01 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: MA

Complaint narrative:
What Happened?

I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) are refusing to remove an unverifiable account from XXXX ( XXXX XXXX  ) despite multiple disputes. 

Key Issues : XXXX. The Account Can not Be Verified I have disputed this account multiple times with the credit bureaus. 
XXXX ( XXXX XXXX  ) has failed to provide any valid documentation proving that this account belongs to me or that the information reported is accurate. 
Under FCRA 611, if an account can not be verified, it must be removed from my credit file.

2. The Bureaus Have Not Corrected or Deleted the Account Despite several dispute attempts, the credit bureaus have refused to remove the account.

This violates FCRA 623, which requires data furnishers ( XXXX ) to provide accurate information or correct/remove unverifiable accounts. 
XXXX. This Account is Inaccurately Impacting My Credit I have never missed a payment, so this account should not be negatively affecting my credit. 
The charge-off status is incorrect and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 2025-02-01 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: Self Financial Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX  failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with my GAP information sent in to pay off the loan due to the loss. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$7500.00} XXXX  XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$7500.00} XXXX  XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was involved in a sophisticated online scam involving a company called XXXX. XXXX  we made to a third party in this scam, promising repayment. It was presented as an online remote job. The alleged third party never received any money whatsoever and statements were provided to Synchrony Credit Card XXXX XXXX XXXX XXXX ) from the party whose email address was used without her knowledge. These payments went through Paypal on that Synchrony Card. I have disputed the charge 4 times and 4 times Synchrony sided with Paypal. When XXXX investigated ( their card was used also ), they agreed that it was a scam and erased the charges from my account. The Ohio AG 's office agreed that it was a sophisticated online scam via email communications with me and these were also submitted to Synchrony along with Chases determination that they were fraudulent charges but to no avail with Synchrony. I have since discovered that Paypal and Synchrony have a long standing affiliation with one another and I don't believe that they will go against Paypal on this issue. All of the attached files were sent to Synchrony to no avail either. I believe they ignored them. Please intervene in this situation if possible. Thank you for your time and consideration in this very important matter 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 2025-02-01 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
CFPB and FCRA please see attached files. proof of how Equifax not doing proper investigations. from dispute to finish dispute in 1 day and same day comes back investigated i have disputed numerous times XXXX XXXX XXXX XXXX XXXX. also, charge offs that have filed the 1099c but still reporting balance and negative information that was forgiven. 

Dear XXXX Equifax, Due to the recent lawsuit filed against Equifax on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. Your online portal is garbage. 

Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

Dont play with me and make me CRASHOUT on your HOEASS and sue you locally because XXXX ready to be thrown hands fam. 

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX for falsely reporting a late payment on my credit report. 

I previously disputed this with [ Experian/Equifax/TransUnion ] XXXX but my dispute was wrongfully denied despite clear evidence that the report is inaccurate. 

Issue : I called Credit Strong and they agreed that if I paid my balance in full and closed my account, they would report it as paid on time. I followed their instructions and paid in full before closure, yet they still reported a XXXX late payment. 

Violation : Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), Credit Strong is required to accurately report information to the credit bureaus. By failing to do so, they are violating federal law and damaging my creditworthiness.

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Im being charged an overdraft fee on positive account balances and in early direct deposits that have been added to my account I can provide screenshots and the early direct deposit notice that they send. The fees were charged on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) in which the fees caused my account to become negative. They also casually posted my direct deposit later after telling me it was deposited on the XXXX. When I called they claimed its system generated and they gave me I think XXXX fees back I also asked if I have until XXXX to cover any trans action and I XXXX money to my account to cover it have will I be charged a fee if the balance is positive she couldnt answer the question.

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 2025-02-01 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation