vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash App is consistently charging my cash app card for duplicate transactions. This has happened on XXXX separate occasions. I have asked cash app to resolve this issue and nothing has happened resolve this matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEXA Mortgage, LLC
State: SC

Complaint narrative:
I am a real estate agent in XXXX, SC. I have a client/costumer that came to us to buy a home. We offered to help them and they decided that they wanted to do so. They were approved by XXXX XXXX loan XXXX XXXX XXXX XXXX # XXXX. After reaching out to the lender on the client 's behalf to gather information, the lender, XXXX, told us that they would speaking with the borrower personally. The borrower then reached out to us and said " they will not let me work with you as they have agents that they use. Sorry for the confusion because I really wanted you for my realtor but if I go with you, the pre-approval goes away ''. I then reached out to XXXX and he got his partner, XXXX XXXX, XXXXXXXX XXXX XXXX, involved. XXXX XXXX XXXX both initially told me that they are refusing to work us, as agents, alongside of this loan. They told me, on a recorded line, that the way that they do business is buy having their clients use their agents and that they would not help the borrower if they did not use their agent. After I told them that this was unethical and illegal, they then said multiple times that they " did not say that '' when in fact they did. They said It to me, my agent partner, and the borrower. When I called the company to complain, I was met with their supervisor, XXXX XXXX XXXXXXXX XXXX XXXXXXXX who then told me that I could " file any complaint that I want ''. This borrower is an elderly veteran whom they state that they want to help. They even told me that I was just trying to " line my pockets '' and I did not care about veterans. I am a military spouse who deeply cares about helping veterans. This mortgage company is being manipulative and unethical, not to mention doing illegal activities by telling veterans that they can only use their preferred agents who are part of their program or their approval will go away. This veteran DOES NOT know any better and is being lied to so that this mortgage company can make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
DELETE HARD INQUIRIES. THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-2 ( A ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
I have been working on getting my cashapp back. I use this account to make payments and receive payments for my small business. Then one day I went to use it and I had a notification that my account was closed due to violation of their company policies. I told them that I haven't used my account in like 6 months so why is my account being closed. Just given the run around with cashapp and customer service. I requested my account to be open because I use this for my small business that I just started. So far given the same answers and they stating that they would look into it and nothing fixed till today.

I told them my account has been hacked because why would they close it because they said I violated their company policies and I explained to them that I haven't used my account for 6 months. Still no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital regarding Account XXXX, demanding its immediate removal due to misleading and unlawful reporting practices. Jefferson Capital has a history of engaging in illegal business practices, including debt collection without proper licensing and violations of state regulations. I was never notified by the original creditor or Jefferson Capital that this account was sold to a third party, raising serious legal concerns about the legitimacy of their claim. Under the Fair Credit Reporting Act ( FCRA ), collection accounts can not report late payments or a past-due status, yet this account is being falsely reported in violation of federal law. Additionally, I have never received proper verification from the original creditor, and there are inconsistencies in reporting across credit bureaus. Given these violations, I formally demand the immediate removal of this account and written confirmation within 30 days. Failure to comply will result in further legal action, as I will not tolerate the continued damage to my credit due to Jefferson Capitals failure to adhere to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: DISCOVER BANK
State: CO

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  I received a phone call from Discover home loans. They said we didn't make our XXXX payment. We were out of town and unable to check. So we made a payment anyway. They continued to call.

I got pretty heated over the continued harassment. I asked them to stop baking as the bill was paid. They still continued. The next phone call i requested a supervisor and received one. I told her the same things. I received a call a XXXX the following day. This is when I told them the XXXX payment was also made. 

Today XXXX XXXX XXXX i received a phone call from Discover home loans. They were tin to collect a debt. This payment was made on the XXXX XXXX XXXX. We have never had this issue before. I had to request a supervisor numerous times and a denied. I finally told them this is pure harassment and that I wanted a supervisor. Instead they transfered me to a team leader. The team leader continued to harass me. I finally got them to give me asupervisor. 

Once I got the supervisor the issue is supposedly reversed. However I have made payments through my bill pay service for years and now all the sudden it may not be applied to my payment correctly. This is 5 years later it is all the sudden an issue with bill pay. 

I find this as an attempt to get people into legal ramifications. Legal issues when trying to collect a debt that was already paid in advance. This is mere harassment attempting to collect on a false premise.

It was not my fault time issue was misapplied. Especially since we have paid it this way for 5ish years.

Of this shows up on my credit report and damages my credit standing in any way. I will hire an attorney and file suit against Discover home loans for harassment. Intimidation and trying to collect a debt on a false premise. It seems the company changed something in their system that any of our payments would go to an alternate collection instead of towards the way it's been paid for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems {$14000.00} opened on XX/XX/XXXX. I disputed this multiple times as I do not recognize this {$14000.00}. I spoke with a representative named " XXXX XXXX  today, XX/XX/XXXX at approximately XXXX via phone call XXXX requested {$1.00} to further look into the origin of this debt. XXXX also stated that " This sounds like fraud. '' Then I had mentioned how I had also experienced recent fraudulent activity on my personal bank account. I gave XXXX the address in which I temporarily resided at when this charge struck my credit report on XX/XX/XXXX. 

XXXX XXXX XXXXs {$1500.00} Also disputed as I do not have ownership of knowledge of this XXXX and XXXX XXXX {$1000.00} Disputed and not owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I have no clue how it got there. I routinely check my report, and this was completely unexpected. I even tried refreshing the page to rule out a glitch, but nothing changed. This situation is beyond frustrating, and I demand an immediate resolution. I need my documents reviewed properly so I can stop worrying about this.

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 2025-01-31 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: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

I request that my name be updated to reflect the correct information. 


XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the incorrect Incorrect Addresses listed above from my credit report. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-31 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: AL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A life long friend wired me funds from his XXXX XXXXXXXX account to my new Citibank account. The first fund was wired va 3wires due to XXXX XXXX  limits and weekend timing. After talking to a banker i was able to withdraw the funds. An additional wire from same friend came about 1 week later and when i went to withdraw it i found out that citibank had frozen my account ... claiming fraud. My account, debit card and mobile app stop working. I could no longer log into my account using citibank mobile app nor could i change the password as they recommended. I called customer service, went to the branch, talked to the fraud dept and it did not help. I filed a grivance and expect it to go nowhere. Citibank holding my funds hostage for 30 to 60 days i causing me and my family financial hardship. I have told the bank this and i get the same corporate line... .the process takes 30 to 60 days. I was told i would receive a letter in the mail from citibank fraud dept ... one week has passed and i received nothing. Banks should not be allowed to handle their customers this badly. I now understand why they have had to close almost all the citibank branches in XXXX and worldwide.

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 2025-01-31 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: AR

Complaint narrative:
Information was improperly listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account 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 2025-01-31 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:
I checked my credit report this morning and was shocked to see incorrect accounts listed, with no explanation as to why. It was unexpected, as I regularly review my report, and these errors were not there before. Thinking it might be a temporary glitch, I refreshed my browser, but the issue persisted. Therefore, I am requesting a detailed examination of the documents I submitted to ensure this problem is resolved permanently.

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 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I ordered an online cashier 's check from Capital One on XX/XX/XXXX for a deposit on a downpayment of a house. I was notified by the bank that they needed to verify the depositor on XX/XX/XXXX. I called and verified the depositor. I was told the check was good to go. The depositor took the check to the bank and deposited it. He was told there was a stop payment on the check. I called the bank XX/XX/XXXX and asked why there was a stop payments and where the funds were. The funds had not been deposited back into my account. I spent over two hours on the phone, was transferred 6 times, and still have no resolution. The funds have not been returned to my account and I have received no explanation of why there was a stop payment. I have not been offered for my fees to be covered either.

Company response to consumer: Closed with explanation