vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX I made and ACH ( ACH trace # XXXX ) payment from my checking account with Huntington National Bank to XXXX XXXX XXXX XXXX of {$1400.00} I received ( and still have ) a text alert from Huntington stating the ACH payment was processed. with a remaining balance of {$280.00} I Also received ( and still have ) an email from XXXX XXXX XXXX stating the payment posted successfully on XXXX On XXXX I received an email from ( still have ) XXXX XXXX XXXX that the payment was declined. 

I called XXXX and they stated Huntington retracted the ACH payment. 

I called Huntington XXXX XXXX XXXX  ( Eastern Time U.S ) -I escalated to a supervisor and they told me the ACH was returned due to insufficient funds ( which is not correct as stated in their text alerts ) -The {$1400.00} would be in my account in 2-3 business days. 
-The funds were never returned to my account I called again XXXX XXXX XXXX  I was told -No record of my first call and they don't know why anyone would tell me that the funds would be returned -My checking account does not show any transaction for this ACH therefore Huntington states that there is no reason to refund this amount and my account accurate. 
-At the time the ACH was actually attempted ( a later date ) that it would have created a negative balance, at that time. 
-I had multiple pending checks deposited from a regular payee on my account that would have easily covered any deficit. 

I called on XXXX at XXXX XXXX  -was put on hold for a long time, spoke with a rep and was hung up on. 
I called back and spoke with a supervisor named XXXX ( they will not provide me with employee IDs ) -I was basically told the same thing as above. 

Huntington case # XXXX I feel this ACH amount of {$1400.00} is misplaced by Huntington and I have lost out on their error. 

My personal budget shows a difference of {$1400.00} ( I am not wealthy I don't just mistakenly lose or mismanage an amount this high )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CO

Complaint narrative:
I have had several data breaches and call Experian to remove some items as well as old addresses and phone numbers and was told I could not do so I sent letters in the mail for dispute and nothing was 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 2025-01-27 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your assistance in investigating accounts from these companies that are inaccurately reporting late payments. After reviewing my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Problem : XXXX XXXXt withholds equivalent of $ XXXX of my assets in Cryptocurrencies ( XXXX, XXXX, XXXX ) and have failed to address this for 7 days now ( as of XXXX ), I have attempted to communicate with them through their customer support, XXXX, and XXXX XXXX 

Damages : This is causing me significant losses as 1. I am missing out the current high staking rewards ( interest rate ) of the assets 2. preventing me from selling in a crashing market ( this has incurred $ XXXX in losses already ). Worst of all, it makes me fear for the solvency of their exchange. 


XXXX : XXXX - I unstaked ( the crypto equivalent of moving from a savings account to variable account ) XXXX worth approximately {$60000.00}. I was these would be available in 3 days. 
They have not released this as of today ( XXXX ) [ XXXX ] [ XXXX ] XXXX - I noticed that 3 days deadline has passed, but my staked funds were not released, and instead the release date was unilaterally extended to XXXX. [ XXXX ] I began to correspond with customer service to resolve this, also including on XXXX directly with senior employees. I have continued to do so since then but no progress has been made. 

XXXX - I began to get suspicious, as I have a large amount of funds with XXXX. I bought XXXX ( $ XXXX worth ) of XXXX to withdraw what I can out of XXXX. This is was fine until the withdraw, which immediately led to my account being frozen. [ XXXX ] I corresponded via email with XXXX, who requested my documents [ XXXX ], which I provided [ XXXX ]. No explanation was provided, and I was told to wait. Please note my account with XXXX  has been in use for over 8 years, with numerous deposits, withdraws in the past, XXXX was never an issue until this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION ASSOCIATES, LTD.
State: TN

Complaint narrative:
I believe that there is a fraudulent debt record on my credit report. 

On XX/XX/XXXX I received a notification from XXXX that there was a Change to one of your credit accounts. 

The letter read : On XX/XX/XXXX, your XXXX XXXX, account was classified as a collection account and assigned to XXXX XXXX. 

Important Notes : - The first delinquency for that account was XX/XX/XXXX. 
- If you did not open this account, it could have been opened fraudulently in your name and not paid. 
- Many creditors send past due accounts to collection agencies. A collection agency is a business service employed to collect creditors ' unpaid or past due accounts. 
- It can be a good idea to check your credit reports to make sure the information is accurate and complete. If you see new activity on your XXXX credit report that you dont recognize or if you believe any item in your XXXX credit report is incomplete or inaccurate, you can begin the dispute process with XXXX XXXX XXXX XXXX XXXX signing into your XXXX  account. 

On that same day I filed a dispute with XXXX, as I did not recognize any of the information provided. 

On XX/XX/XXXX I received a notification from XXXX that On XX/XX/XXXX, your data was found on one or more fraudulent internet trading sites. It listed my email address as the data found. 

On XX/XX/XXXX I received a notification from XXXX that An account on your XXXX credit report was classified as a collection account. When I looked into it I found a collection account from CREDIT ASSOCIATES had been placed on my account. 

Here is the information on the company that I was given by XXXX : COLLECTION, XXXX XXXX XXXX XXXX, XXXX, WI XXXX, Phone : ( XXXX ) XXXX When I called the phone number it said it has been disconnected. On XXXX the address provided came up as a XXXX store. XXXX listed the address as Permanently closed. 

The account from XXXX states that the Creditor Class is RETAIL, the Date Reported is XX/XX/XXXX, the Date Assigned is XX/XX/XXXX, the Original Amount is {$3000.00}, the Date of 1st Delinquency is XX/XX/XXXX, the Whose Account is Individual Account. 

None of this information matches anything in my personal financial records. I have not been contacted by CREDIT ASSOCIATES or XXXX XXXX in any manner. The first I learned of this was from XXXX. 

I am attaching the following documents : XXXX - Shows that the collection agency address is permanently closed XXXX XXXX Shows the collection agency address and phone number ( disconnected )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
So heres the deal My boss sends me a XXXX for my weekly pay of {$720.00} on XX/XX/year>. SoFi denies it. Then it is requested per his bank, and SoFi accepts the money from his account, but refuses to add it to my account claiming it triggers fraud. My account was frozen, then unfrozen on XXXX XXXX and then refrozen on XX/XX/year>. I have spoken with several reps, promised calls back, promised a supervisor would contact me, promised an investigator would contact me, but yet nothing. SoFi outright REFUSES to make contact with my job to verify anything. Its coming from a legit bank, XXXX Bank. Its going to a legit account, my account with SoFi bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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.
State: MI

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$3200.00} XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-27 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: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-27 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: DC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: DC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-27 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: OH

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in recent administrative proceedings by the CFPB. 

I request a proper and thorough investigation of the inaccuracies I have reported, along with evidence of such investigation. Please let me know the steps you will take to ensure compliance with the applicable laws. 

This is the account I have marked as inaccurate. 

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 explanation