vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-21 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: Experian Information Solutions Inc.
State: NC

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

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

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

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

Company 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am disputing the reporting of my JPMCB Card Services ( XXXX ) account due to inaccuracies, potential re-aging, and inconsistent reporting across credit bureaus. Based on the information provided in my credit report, this account may be unlawfully extending its reporting period, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Charge-Off Date Discrepancy ( Possible Re-Aging ) My credit report shows the last activity on this account was in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). 
Despite this, XXXX is reporting a charge-off in XXXX, which does not align with the actual delinquency timeline. 
This suggests improper re-aging, where the accounts derogatory status has been artificially extended beyond the legal reporting limit. 
Statute of Limitations in Georgia ( XXXX Years ) The statute of limitations for credit card debt in Georgia is XXXX years from the date of default. 
If the last payment was in XXXX, then the account became time-barred for collection in XXXX. 
While time-barred debt can remain on a credit report for XXXX years, the reporting date should not be altered to appear more recent. 
Inconsistent Reporting Across Credit Bureaus XXXX and XXXX do not report a charge-off, while XXXX reports charge-offs from XX/XX/XXXX to XX/XX/XXXX. 
The balance is reported differently across bureaus, with XXXX showing a different high balance ( {$8900.00} ) than XXXX ( {$8900.00} ). 
These inconsistencies suggest unreliable reporting, which can unfairly impact my credit score.

Incorrect Credit Utilization & Balance My credit limit was {$7500.00}, but my reported balance is {$8900.00}, resulting in a 120 % utilization ratewhich may include excessive fees or interest. 
XXXX reports a higher balance ( {$8900.00} ), which does not match XXXX figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was shared with multiple companies by Experian credit monitoring agencies. I have been experiencing federal and state tax returns being filed in my name. It will cost me time and money to correct with the IRS. I am very upset.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices.Which violates the Consumer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent address fraud on their, 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 Electronic Fund Transfer Act ( EFTA ) and regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/scrub>/2024. XX/XX/XXXXXXXX XX/XX/scrub>/2024. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report or deletion. i am requesting Transunion to mark these inquiries fraudulent and remove from my Credit 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I accidentally deposited {$820.00} into my restricted Robinhood account that has been restricted since XX/XX/year>. I have proof of call, e-mail, and mail I have sent to them regarding this issue but all communication lead to no information being provided and the issue not being resolved. 

I would like the payment to be refunded back to the original account, or fix the restriction on the account. 

Before my account was restricted, I tried sending XXXX which flagged my account. I have done nothing wrong and would like access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had {$3000.00} worth of fradulent charges made to a business credit card with Truist in XX/XX/scrub> 2022. I immediately filed a fraud claim with Truist and they began investigating. after months of investigation they sent a " fraud Package '' that was never received and because that wasnt returned in a specific time frame they sent the balance to charge off department. 

They are now telling me there is no way to reopen the claim or manually create a new one and that I either pay the balance in full or continue to have my credit ruined.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am victim of identity theft. My personal information was stolen or used or compromized by someone and in results I've got XXXX fraudulent account on my credit report which belong not to me and I have never authorized or registered it. Also I have never opened it, I have never logged onto it, I have never paid for it and I absolutely have never signed any documents or contracts on this XXXX fraudulent account. 

Account Name : DISCOVER BANK Account Number : XXXX Open Date : XX/XX/year> Fraudulent Amount : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities fairly. impartiality, and " respect for the consumer 's rights to privacy. '' Experian and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC, 6801which states, " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customer 's nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information. They surely do not have my written consent. Any who consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) is revoked whether it be verbal, nonverbal, written, implied or otherwise.15 USC 6802 ( b ) ( c ) states that " Financial institution may disclose no public personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) They never informed me of my right to exercise my nondisclosure option. Not only that, 15USC 1681C ( a ) ( 5 ) states, '' except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, other than records. Of convictions of crimes that antedate the report by more than seven years. " This account is an adverse item they are reporting again without my permission, which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states, '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services

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 2025-02-21 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-21 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: Block, Inc.
State: IL

Complaint narrative:
In XXXX of 2024, the account I sponsored for my child was closed due to violating terms and conditions. The notice wasnt specific to what terms were violated. I then tried to withdraw the funds from the account and was not able to due to the account being closed by CashApp. I then called cash app customer service and was told they would open a ticket and escalate it and to wait for a response. 
30 days passed and I received an email saying that the account was closed due to violating terms and conditions and because of that, the account would not be reopened. It gave me the options to try and withdraw the money, but because the account is closed, it would not let me. So I contacted CashApp AGAIN in XXXX to try and get this resolved and their customer service escalated my complaint again. Seems like were going in circles and not getting a solution to being able to withdraw the funds. I made it clear that I did not want to reopen the account. I just wanted the money withdrawn. 
CashApp support even tried to manually transfer the funds on their end and the transaction transfer failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, I received an email from Citi on XX/XX/XXXX indicating that they closed my account as requested ( see attached ). I never requested to have my account closed. I made a payment of {$7100.00} which they accepted on XX/XX/XXXX, as I was looking to purchase a home. According to XXXX XXXX, my account was apparently closed XX/XX/XXXX. I attempted to reinstate the account but was denied. 

The XX/XX/XXXX email also provided instructions on how to redeem my reward points. According to the email, they gave me 90 days from closure day to redeem. I called several times, and even tried again today, XX/XX/XXXX. They are now saying that my points expired because the account is closed. 

Again, credit shows that my account was closed XX/XX/XXXX. Today via chat, Citi representative states that my account closed on XXXX XXXX XX/XX/XXXX. I received the letter on XX/XX/XXXX. 

I have had this account since XXXX. NEVER had a late or any form of delinquency on my account, which I confirmed with all XXXX credit bureaus. I saved about XXXX points. I paid over {$7000.00} to have a {$0.00} balance, just to have it close the next day or soon thereafter with no explanation why. This closure also reduced my credit score.

May you please help me with this 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 explanation
Consumer complaint received 2025-02-21 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: NM

Complaint narrative:
My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These errors do not reflect my actual payment history and are causing unjustified harm to my financial standing. I will not allow this misinformation to go unchallenged. 

For Experian, the disputed accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are unacceptable, and I demand their immediate correction. 

The Fair Credit Reporting Act ( FCRA ) clearly states that any incorrect, outdated, or unverifiable records must be removed promptly. I expect immediate action to rectify this issue, as any further delay will only compound the damage already done.

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 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I was eligible for loan forgiveness discharge in XXXX Mohela continued to charge me payments and interest. I was told by XXXX that I made over the amount of payments ( XXXX ) required for forgiveness and discharge but that they could not discharge the forgiveness. Mohela told me only XXXX could discharge the loan. I have gone back and forth twice and still no assistance in forgiving my loans. To speak to a person at Mohela requires a minimum of XXXX hours wait time. I can not get Mohela to assist me in getting this loan forgiveness discharge done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
The auto loan was not XXXX days late in XX/XX/year>. This is not right because it was paid as agreed. Delete this late payment.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized charges on my Wells Fargo card. I was charged for a church membership in XXXX, and additionally, I have been charged twice a month. When I initially opened the membership, the worker mistakenly created a duplicate account for me. 

When I reported this issue, the company assured me that I would not be charged twice. However, the double charges have continued, which is causing me significant financial strain and impacting my mental health. I do not have the financial means to pay for a service twice, especially when I am not using it. 

I kindly request an immediate resolution, including a refund for the extra charges and assurance that this will not happen again. Please look into this matter as soon as possible and provide me with an update. 

Thank you for your time and assistance.

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