vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Accounts have violated my rights.

15 USC 1681 Section 602 States I have rights to privacy.

15USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A Creditor may not treat patient on a credit card account under and open end consumer credit plan as late for any purpose. 

XXXX XXXX : this company is reporting fraudulent inaccurate information on my credit report. I requested that they provide me the proof where is wasn't paid off after sending a debt validation letter they never provided it but its still on my report. 

I have requested the negative things to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Accounts have violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A Creditor may not treat patient on a credit card account under and open end consumer credit plan as late for any purpose. 

XXXX XXXX : this company is reporting fraudulent inaccurate information on my credit report. I requested that they provide me the proof where is wasn't paid off after sending a debt validation letter they never provided it but its still on my report. 

I have requested the negative things to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  not my accounts , and students loans taken off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
The letter I got from the debt collection agency did not have a date on the letter and it did not state what timeframe I had until debt reporting. I have attached both letters to show they never gave me a date of credit reporting, only a date of which I had until I could dispute. But even the date of the dispute is still after the date they already reported my account to collections. She advised my act was reported on XX/XX/year> and the letter I received said I had until XX/XX/year> to dispute. 

They also did not give me the mini XXXX until a supervisor got on the phone.

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 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
When : XX/XX/year> {$15000.00} held/frozen without warning or explanation Actions taken by me : 5 calls to customer service Requested to speak with a US-based supervisor Emergency request to release frozen funds No limited or emergency access to my funds Sudden and additional requests for information not requested upon opening my account No viable, in realtime way to contact Account Services during an emergency , delayed email contact only.

Review Title : Terrible Experience Money Locked Away with No Explanation!

I am writing this review out of sheer frustration and disappointment with my experience using Block XXXX Square for my business transactions. As a high net worth business, managing significant dollar amounts, I expected a seamless and professional service. Instead, I encountered what can only be described as an utter nightmare. 
My business 's funds have been locked away and rendered completely inaccessible without any explanation whatsoever. This has not only affected my cash flow but has also caused severe disruptions to my operations. I reached out to customer service multiple times, only to be met with vague answers and unhelpful responses. The lack of transparency is astonishing, and frankly, unacceptable for a service that is supposed to focus on business transactions. 

I can not stress enough how crucial it is for businesses dealing with high-value transactions to have a reliable and robust digital payment provider. Square has proven to be anything but that. I would strongly advise anyone in a similar position to seek out more professional, dependable options for credit card processing and invoice management.

In conclusion, dont waste your time or money with Square. Your business deserves better than the unprofessionalism I have experienced. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was the victim of an extortion scam in which a hacker gained unauthorized access to my personal information. The hacker threatened to sell my information on the XXXX XXXX  and lock me out of my social media account unless I sent them {$300.00} via PayPal and it had to be using friends and family mode.

Upon realizing this was fraudulent, I immediately contacted PayPal and opened a dispute. Despite providing evidence, including screenshots of the threats and my FBI IC3 report, PayPal closed the case in favor of the recipient, stating that Friends and Family payments do not qualify for dispute resolution. However, this payment was made under duress and coercion, which voids any claim of voluntary consent or authorization on my part. 

Paypal closed the case minutes after I submitted it. Additionally, paypal notified the hacker of the complaint, and has continued to investigate the issue on his side. He messaged me again asking to tell paypal that i consented and continued to send me threats. Paypal is taking action on the hacker, but closed the case on my end before it was even resolved with him. 

I believe PayPal has failed to properly protect me as a consumer by refusing to consider the fraudulent nature of the transaction and the coercive circumstances. I request PayPal to reexamine this case as fraud and issue a refund of the {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I expect expedited removal of the Fraud Alert and dispute comments on my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I expect expedited removal of the Fraud Alert and dispute comments on 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 XXXX financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I did not authorize this credit inquiry, and I believe it was made in error or without my consent. According to the fair Credit Reporting Act ( FCRA ), any inquires listed on my credit report should only reflect those that I have explicitly approved. I request that this inquiry be thoroughly investigated, and if it is found to be unauthorized, that it be removed from y credit report. Please provide me with Documation that proves the legitimacy of this inquiry or proceed with the removal of the false entry from my report. I also ask that you send me a written confirmation once the matter has been resolved.

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 2025-01-22 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am writing to file a complaint against Huntington Bank 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 Huntington Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX, XXXX XXXX digits of the account 61. Charge Off. 
XXXX ; Nothing appear in XXXX XXXX : Nothing appear in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TN

Complaint narrative:
There have been multiple counts where cash app has made unauthorized transactions on my account and when I try to get refunded I can never really speak to anyone. For example, recently i tried to dispute a transaction for a service that i didnt receive and in this case it was an uber ride. I spent {$20.00} on this ride but my ride was cancelled they charged me {$5.00} for cancellation fee when I never cancelled, then not only that when they cancelled they never refunded me the remainder of my money after the cancellation fee was applied. Ive sent in pictures and documents explaining my claim and reasons for wanting a refund and I still didnt get anywhere. The problem with this is that Im communicating with a robot and not a human to fully understand the problem. They also have held money for longer than expected and releases my money on there time. Like most employers have deadlines and time when they put time in and when it has to be submitted. For a whole year XXXX was getting paid from my job through cashapp and it always hit around the same time after XXXX XX/XX/XXXX. After a while XXXX started receiving my money later after XXXX which is very inconvenient being that I handle things during the day time not at night. Sometimes it would even come on Friday the regular day of payday instead of two days earlier like all other direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I scheduled a payment to be made on a bank account that had been closed by mistake on XX/XX/XXXX. I kept checking the account that I thought I had made the payment from and did not see the transaction. I received an email on XX/XX/XXXX stating that the payment had not processed. I called on XX/XX/XXXX and corrected the problem immediately, paid the balance in full as I always did in the past, and asked the agent if he would please ensure that the bank would not attempt to process the payment on the closed account any more. He assured me that he had taken care of that issue, that everything on the account was now up-to-date, and that everything was fine. Later that same day, the bank again attempted to process the payment, even though the account had been brought current, and the payment had been made. On XX/XX/XXXX the bank again attempted to process the same payment with the same result, resulting in the appearance that there were XXXX returned payments. Unknowing to me, the bank closed my account stating that I had XXXX or more returned checks within 6 months. I attempted to make a purchase from this merchant prior to knowing that the account had been closed. The merchant attempted to charge their own account, knowing that they had closed the account, twice on XX/XX/XXXX, three times on XX/XX/XXXX, once on XX/XX/XXXX, and once on XX/XX/XXXX. I did attempt to contact an XXXX  XXXX to file the complaint, however, she never acknowledged or responded to my concern.

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 

For over 8 years Ive been fighting and fighting stressing the issue that someone has been using me credit and personal information as their me. This issue is non stop. On top on that now I been receiving letters in the mail from debt collectors Ive never even heard of. There been a data out breach and I believe once again my information is freely out there. Please help me guys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 non-monetary relief
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief