vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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 ). To specify, 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 this company 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Hey XXXX XXXX XXXX And Im A victim Of Identity Theft To The Point Where I Couldnt Open Up Any Accounts I DID NOT COMMIT FRAUD TO ANYTHING somebody stole my social security number and was applying for everything credit cards bank accounts etc if you can give me my account back you will never regret it! Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for the Capital One XXXX credit card based on the advertised balance transfer offer. The promotional materials emphasized balance transfer benefits, which was the main reason I signed up. However, after being approved, I learned that Capital One does not allow balance transfers from other Capital One credit cardsa critical restriction that was not clearly disclosed up front. 

This important limitation was buried in the fine print and not made obvious during the application process. As a result, I feel misled. I would not have applied for the card had I known this restriction existed, as my goal was to transfer a balance from another Capital One card. 

I believe this is a deceptive business practice. The advertising led me to believe I could take advantage of the balance transfer offer without clear and conspicuous notice that it excluded Capital One-to-Capital One transfers. Im requesting the CFPB to investigate this practice and hold Capital One accountable for misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year> I received a phishing email from PayPal. I immediately contacted PayPal. They went through my account. There were a number of fraudulent invoices and one that fraudulently sent me money. With the help of a representative of PayPal we went through and canceled all of the fraudulent invoices and returned the money sent to me. I thought that was it. I then noticed that the same name that had sent me money ( that I returned ) sent money again. I immediately called PayPal, they responded by shutting my account down!! Then after weeks, wrote to say they found in favor of the HACKERS!! I have made numerous phone calls ; A. It takes the patience of Job to get through and B. I have not heard from anyone at PayPal that explain why they are holding me responsible instead of the HACKERS! The company is set up to discourage any sincere customer service. There is no phone number that one can call and speak to a person. 
PayPal asked what were the ( fraudulent ) invoices sent for - I DID NOT SELL THEM ANYTHING! Then they asked why I received money - I HAVE NO IDEA, I DO NOT KNOW THEM! I have written to PayPal and spoken with PayPal- I am not sure how they investigate but they do a terrible job!

I have been a valuable customer for XXXX years and I believe the way I am being treated by PayPal is borderline criminal. I believe that PayPal has a major security breach and I have been caught up in it. 
The mental anxiety is horrible! PayPal has put me through this for over a month. 
All I ask is for my account to be restored and knowledge that PayPal is actively pursuing the real criminals here!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Reviewed my credit profile and noticed some hard inquiries that do not 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Hello, I am writing to request your immediate assistance in addressing an issue with my student loan servicer, MOHELA, concerning the improper handling of my application for the XXXX repayment plan. 

On XX/XX/year>, I submitted an online application for the XXXX program. The following day, XX/XX/XXXX, I received a communication via MOHELA instructing me to apply by mail. I promptly complied and submitted my application via mail on XX/XX/XXXX. However, MOHELA later informed me that they had lost the application. 

I possess clear and verifiable evidence that my application was submitted prior to the XX/XX/year> injunction and I will share this evidence with you. When I contacted MOHELA regarding the matter, they acknowledged that the loss of my application was likely due to mail processing errors, which they indicated are not uncommon for them. Consequently, I was advised to resubmit my application, and my account was placed under a processing forbearance for XXXX  days, during which interest would accrue. It was also stated that, following the XXXX period, I would be transitioned to XXXX  forbearance with a 0 % interest rate, which they have also not fulfilled and state that I still will be accruing interest during this time when I talked with them today. 

As my application was submitted prior to the injunction, I should have been subjected for approval with the XXXX program, which would have entitled me to 0 % interest under XXXX forbearance. Despite this, MOHELA seems to have done everything in their power to allow interest to accrue on my loans in violation of the terms of XXXX  forbearance despite XXXX clear attempts before the XX/XX/XXXX injunction. Now I have accrued many thousands of dollars since MOHELA says I am not allowed to be in XXXX XXXX forbearance. MOHELA states they have received my second mail application for the XXXX program which I sent more than XXXX  days ago, and they say they still havent processed it and they continue to deny me interest free forbearance loan. I respectfully request your office 's intervention to rectify this situation and ensure that the terms of the XXXX program are applied to my loans retroactively. 

Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

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 2025-03-21 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: TX

Complaint narrative:
In the early evening of XXXX XXXX I did a quick favor for a friends mutual friend as I was out of town he promptly sent the money to my cash app I checked the balance in the lower left-hand corner and it was there. I left the money in the account instead of transferring it directly to my bank because Ive never had any other issue and Ive had my account for many years the next day, I woke up, and the money had been returned to the sender without the sender, ever asking for the money back. I proceeded to tell Cash App to send the money back to me as the sender did not request a refund, they said for my protection, they took the money and gave back to the sender and that I would need to get it back from the person. I reached out and sent a request. The sender then proceeded to say that I was lying. I was trying to be a scammer and that Cash app had not returned him anything and to please stop harassing him. I feel as if cash app has stolen my money I was out of town. This left me in a state of worry and stress. I called XXXX different times and spoke to XXXX different agents all whom said for my protection, my money was taken from my account and given back to the person who has a Cash App account and has went through all the procedures to carry their account. My debit card is linked to my Cash app and has not changed. I have never had any fraud issues or any flagged issues? This was the first time in 10 years that my account has ever been an issue and then Cash App says that I should harass the other person to give me my money even though they took it out of my account and they are saying it was never received, but it was because I checked the balance immediately. I also took a picture of a message that they sent me saying the money has been refunded to your account, but it never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax 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 non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This CPB comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. 
that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from US Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud.

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 2025-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This CPB comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. 
that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from US Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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