vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 proce 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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed that the payment I submitted on XX/XX/scrub>/25 for the amount of {$150.00} had not been deducted from my auction. When I logged in the app to check, it stated that my payment was returned and they were charging me {$30.00}. When I called they asked me to verify the account I made my payment from and I went on to say the number and they informed me that the account they have that supposedly I made my payment from was a completely different number. I explained to them that that was not my account. My account is saved on the app, all I do is input the amount of my payment and press submit. I do this every time. How is it possible that they have a completely different account number!? The representative made me feel like I was lying and that I submitted a payment with a different back account. I told her that I do not have a different bank account, my bank account has been the same for years and it's the same bank account I submit my payment every single month. The bank account is saved on my app and all I do is log on, put in the amount of my payment and press submit. I DO NOT change the bank account because I do not have another bank account! How can I just invent another bank account!?! The representative told me that there is nothing they can do and that the charge of {$30.00} stand. I feel scammed of {$30.00}. I submitted my payment as I always do. My account is saved in my app. There is no other bank account! I do not know if there is a glitch on there behave when the system is processing payments, all I know is that I am being penalized for something that is not my fault and I feel that care credit is benefiting and taking advantage of it! It's completely unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for an american express delta gold card with the signon bonus of XXXX delta miles for spending {$3000.00} within 6 months on XX/XX/year>2025. Here 's the offer terms - " You may not be eligible to receive a welcome offer if you have or have had this Card the XXXX XXXX XXXX American Express XXXX, the XXXX XXXX XXXX American Express XXXX or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' I was instantly approved without any message telling me that I was ineligible for the offer. However, I found out that I did not have the signup offer on my account after I received the card. I called American Express and was told that I would not be eligible for the signon bonus.

Please help me out! Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing to formally dispute Experians failure to conduct a complete reinvestigation into the reporting of bankruptcy records on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough and accurate reinvestigation when a dispute is submitted. However, it is evident that this obligation has not been met. 

I have contacted the original furnisher of the bankruptcy records, and they have confirmed that they no longer report this information. Additionally, I have obtained a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Furthermore, I have received a letter from XXXX confirming that they removed the reporting of my bankruptcy records prior to Experians reinvestigation. 

Given this clear evidence, there is no way that Experian has conducted a full and proper reinvestigation as required under the FCRA. I am formally requesting that Experian immediately remove the inaccurate bankruptcy records from my credit report. Failure to do so will result in further action to enforce my rights under federal law. 

Please provide written confirmation that this information has been removed from my credit report within 30 days of receiving this letter. If you require additional information, I am happy to provide copies of the letters from the bankruptcy court and XXXX. 

Thank you for your prompt attention to this matter. I expect immediate resolution and compliance with the 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 2025-03-29 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
{$95.00} dispute charge for items that I returned to XXXX but wasnt refunded because they denied my dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
I am writing to formally dispute and request the removal of an inaccurate address and incorrect account information from my credit report. After reviewing my report, I discovered that I have been a victim of identity theft. 

Address Discrepancy I have been attempting to get information updated and reported correctly since XX/XX/XXXX upon my discovery. My correct and current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, where I have resided for an extended period. Although I work in XXXX I have NEVER lived in the state of XXXX  However, my credit report reflects the address XXXX XXXX XXXX, XXXXXXXX XXXX, which is not and has never been associated with me. 

I was informed that this address was verified back to XXXX which is a blatantly fabricated by Equifax. During that time, I resided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for approximately one year before returning to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Given that I have never resided at the XXXX address, I request its immediate removal from my credit report. 

Account Corrections Additionally, I request that my closed account with XXXX be accurately updated and any fraudulent accounts be removed. I have enclosed my fraud report for your reference. Furthermore, I have never had any late payments, and my payment history should reflect this accurately. 

I appreciate your prompt attention to this matter and request that these inaccuracies be corrected as soon as possible. Please provide written confirmation once these corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: IN

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXX someone committed fraud with my account and SS # I woke up around XXXX. Checked my emails like I always do and begin seeing activity around XXXXConfirmation emails and then, them confirming them. They were able to get into one of my accounts I have gotten a small loan in the past with. 
Cashnetusa The email stated the next steps were for them process the request. I freaked. 

Cashnetusa was so helpful. They gave me the next steps needed. And sent me information to give to the police. Im pretty sure it was denied because the bank couldnt be confirmed. Im not 100 sure. And I hope they didnt give them the money. However this person was able to get into my email and my account with them and get to the final steps of putting a bank account to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. Theaccount in question, listed under the name of XXXX XXXXXXXX XXXX with account number XXXX, is not mine and has been mistakenly associated with my credit file. 
As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail if further information is needed. 

Sincerely, 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 2025-03-29 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. Theaccount in question, listed under the name of XXXX XXXX XXXX with account number XXXX, is not mine and has been mistakenly associated with my credit file. 
As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail if further information is needed. 

Sincerely, 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 2025-03-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. Theaccount in question, listed under the name of XXXX XXXXXXXX XXXX with account number XXXX, is not mine and has been mistakenly associated with my credit file. 
As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation