vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX owned by Key Bank ) froze my account, which has a {$2000.00} balance, due to a returned deposit I made via their mobile app. The issue occurred because the image capture cut off the first five digits of the account number, causing the check to be returned. They never credited me for that deposit, yet they still locked my account, even though the {$2000.00} balance was unrelated to the returned check. 

My account has been frozen since XX/XX/XXXX. I called and provided proof, including the original check with the full account number, as well as a notarized affidavit explaining what happened. Despite this, I have yet to hear anything from them. I need access to my money to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On Midland credit management inc. stated that an account was open with me with a balance of {$610.00} and I had no knowledge of that. And I have no contractual agreements with them at all.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to proper investigate my disputes regarding of the inaccuracies in credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigated. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No.2025-CFPB-0002 ) against them for similar violation. I requested that the CFPB take action to Equifax complies with the federal law and provide consumers with the necessary proof of investigation. The accounts I am referring to is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
I have sent a complaint to Google that I signed up with a new phone and my email was hacked or one of your XXXX store apps by beings in XXXX. My XXXX account has been taken over by XXXX, several bank accounts have had to be closed, I have XXXX in XXXX along with XXXX XXXX companies that I didn't know existed taking money in XXXX apparently you can request my money to be taken out of my account and i can't stop you with or without permission ... I can request my money back from you but apparently these beings don't have to pay back. Had no idea money was even being taken out of my account until I didn't have money to pay a bill. I reached out to Google and immediately receive the letter back from XXXX... 

Dear Google user, Thank you for writing in to the XXXX XXXX for XXXX. 
We understand that you would like to raise a concern for a particular Google product or service, or may have a valid court order. 

I am still waiting to hear back from this outcome, please look into this matter and my compensation.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to dispute an issue with my credit report. I recently attempted to access my credit report through www.Experian.com, www.Equifax.com and with a credit monitoring agency using www.Smartcredit.com, but my report with Experian and Equifax did not come up or it was outdated for months. I have been informed that this may be due to incorrect or outdated personal information on file.

To assist in resolving this matter, I have included all the necessary documents to verify my identity and ensure my credit report is accurately updated : 1. A copy of my government-issued photo ID ( e.g., drivers license ) 2. A document containing my Social Security number ( e.g., Social Security card ) 3. Proof of my current address ( e.g., a utility bill, and bank statement ) Please use these documents to verify and correct my personal information in your records. I should only have one name, one address and one phone number. Additionally, I request the following updates : - **Remove any name variations** that do not match the name on my provided ID. The only name that is valid and correct is : XXXX XXXX XXXX - XXXX any outdated or incorrect addresses** that do not correspond to my current address listed above. 
The only valid and correct address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV, XXXX I kindly ask for your prompt attention to this matter. Please confirm once these updates have been made and my credit report is available for access. 
Thank you for your assistance. 
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 2025-02-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX 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. 

XXXX # XXXX XX/XX/XXXX - Balance : {$5000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6900.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$21000.00} XXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$21000.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXXXXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$4500.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$4500.00} XXXXXXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$4500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00}

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 2025-02-02 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: TN

Complaint narrative:
I call and went up XXXX  the bank XXXX dispute charges charges that added up XXXX  About {$1500.00} I over {$350.00} in XXXX fees I didnt know XXXX was getting because I wasnt niptified and {$350.00} & XXXX XXXX XXXX and {$300.00} in XXXX  ther purchases I didnt XXXX  That t where internet purchase I didnt XXXX XXXX approve this keyboard is messed up set for all the typos!

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 2025-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The brake diagnostic test that I paid {$270.00} for was not performed by the car dealership as they tried to up sale me on {$4000.00} before they would complete the diagnostic service. I did not receive the brake diagnostic service I paid for. 

Capital one was provided with receipts of this payment and a second diagnostic test that was paid for and fixed at another dealership. This proves that the first dealership could have performed the diagnostic and could have fixed my vehicle. The first dealership charged me and did absolutely nothing. When I asked for my car back I was forced to pay the {$270.00} in order to have my keys returned. No work was performed for the charge I received.

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

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 2025-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
Klarna has let me use the loan settings in previous instances and has forced me to pay off the loan, but not allowed me to reuse the service while stating that the service is still accessible to me my last name has been updated previous last name being XXXX

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

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-02 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-02 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: SD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

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 2025-02-02 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: IL

Complaint narrative:
I have recently received a copy of my credit report and noticed several unauthorized and inaccuracies information and accounts reporting on it. 
These reports have been a huge issue to my credit history and also well being.

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

Complaint narrative:
I recently reviewed my credit report and noticed an inaccurate late payment report on my account. According to my records, I made all payments on time, yet my report reflects late payments on the following date XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy and completeness of all reported information. As this account has never been late, I request that you investigate this matter and provide verifiable proof, including payment records, to substantiate these late payment claims. 

If you are unable to verify the accuracy of this information, I demand that the late payments be corrected to reflect on-time payments immediately. I have attached a copy of my credit report highlighting the errors for your reference. 

Thank you for your prompt attention to this matter. Please provide written confirmation once the necessary 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 2025-02-02 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: LA

Complaint narrative:
I recently reviewed my credit report and noticed an inaccurate late payment report on my account. According to my records, I made all payments on time, yet my report reflects late payments on the following date XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy and completeness of all reported information. As this account has never been late, I request that you investigate this matter and provide verifiable proof, including payment records, to substantiate these late payment claims. 

If you are unable to verify the accuracy of this information, I demand that the late payments be corrected to reflect on-time payments immediately. I have attached a copy of my credit report highlighting the errors for your reference. 

Thank you for your prompt attention to this matter. Please provide written confirmation once the necessary corrections have been made.

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

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity was stolen in 2018 and leaked in several data breaches several thing on credit donot belong 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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. ( 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that money was coming out of my account at an alarming rate. I locked my card and contacted Cash app. Support. And questioned how they could allow 41 transactions in a matter of less than 10 minutes. Each for ( {$20.00} ) XXXX dollars and XXXX cents, for a total of ( {$820.00} ) XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents. 
Never actually getting to talk to an actual person, they communicated through a bot. Telling me that I couldn't dispute the transactions until they went through. Or contacting the merchant was an alternative route to find out how they received my information. And to contact them ( Cash App. ) in a few days to contest the transactions. 
In the days to follow, I contacted Cash App numerous times to no avail. Only getting to speak to a representative once. Which, at that time I received the case number ( XXXX XXXX XXXX ) and she looked up the merchant that made the many transactions, only to find out that the vendor didn't exist. I hope the call is on file ( recorded ). 
How was there no safe guards to prevent something so egregious? And why was it so hard to get to speak to a live ( human ) representative? And even furthermore, how come after the one time I did get to speak to a human being, and she came to the conclusion that the merchant wasn't a real existing vendor that I wasn't compensated or reimbursed knowing that it was fraud. And I wasn't at fault. Cash App provides no solution, and never contacted me as they said they would.

Company response to consumer: Closed with explanation