vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
Hello XXXX XXXX After SOFI BANK closed my account. SOFI said they mail my available balance {$1000.00} to me with check and I didnt receive it. I call them of recent that I want my money to be sent back to me inform of direct deposit and I give them my account number and routing number. Please I want solution to this issue. I just want my money back through direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a survivor of XXXX XXXX and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

I submitted a transaction for services with a vendor. I paid the vendor {$500.00} and they never delivered the services. This occurred XX/XX/2023. I told Cash app customer service about the matter and requested that they force a refund as I requested one from the vendor and it was rejected. I was told by cash app there was nothing they could do. This goes against the Electronic Funds Transfer Act. Please see page 3 of the attached document for evidence and the conversation with support. I would also like to note that there was no one to call. I had to text a support line and ask for help which is apparently what Cash App is being sued for by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have student loans with Aidvantage and have been on the SAVE plan since XXXX. The SAVE plan is under litigation and according to Aidvantage, this means that the interest should be set at zero while the litigation is pending. My interest has continued to accrue everyday and has caused my loan balance to grow over XXXX more since the interest continues to accrue. My Federal student loans have only continued to grow and the balance is now over XXXX when I only borrowed XXXX for my XXXX XXXX XXXX and XXXX for my masters. The balance increases daily. I have requested twice to have this corrected with no success. I called on XX/XX/XXXX and was told by the customer service representative that my loans had been discharged and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just want capital one to send all 3 credit bureau the age of my credit because its affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally report that I have fallen victim to identity theft as a result of the XXXX data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of any fraudulent items appearing on my credit report. 

As a victim of this breach, my personal information was compromised and subsequently used without my authorization. I demand that any accounts, inquiries, or transactions that are not legitimately mine be permanently deleted from my credit file without delay. 

Please confirm in writing once these fraudulent items have been removed, and provide me with an updated copy of my credit report. Additionally, I request that my file be blocked from further fraudulent activity, as outlined by federal law. 

Thank you for your prompt attention to 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle and XXXX XXXX  Frauds been happening but nothing was returned and nothing they can do to be fixed. XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX for XXXX XXXX XXXXXX/XX/XXXX for XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been writing letters and hiring lawyers to get certain information removed from my credit report from XXXX, Equifax, and XXXX XXXX. I have been fighting with that identity theft for the past six years and I have been trying to get an accurate information removed from my hair report with no success. Through investigation, they are verified accounts that are mine, but they are not mine, because of my stolen identity and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
They have been having technical issues since XX/XX/year>. It it still not fixed. I am unable to see my balance or make payments online. I spoke to a representative and they do not have a timeline on the fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TX

Complaint narrative:
Received over XXXX in deposits one from XXXX and the other bank transfers to cash app they allowed me to use XXXX then said I went against privacy policy and closes my account and took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : $ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$460.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$3400.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dispute Explanation for CFPB Outdated Charge-Off & Possible Re-Aging I am filing a formal dispute regarding an outdated charge-off account from XXXX XXXX, which is still being reported by TransUnion and Experian beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Credit Bureaus Reporting : TransUnion & Experian Account Open Date : XX/XX/XXXX Charge-Off Date : Not accurately reflected Remarks : Unpaid Balance Reported as a Loss by XXXX XXXX, Account Previously in Dispute - Now Resolved - Reported by Subscriber. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA, negative accounts such as charge-offs must be removed after seven ( 7 ) years from the Date of First Delinquency ( DOFD ) that led to the charge-off. 

The original delinquency likely occurred before XXXX, meaning the charge-off should have been removed no later than XXXX. 
The " last activity '' date is inaccurately listed as XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( TransUnion ), which suggests re-aging of the accountan illegal practice under the FCRA. 
I disputed this account last year, but it remains on my report, despite exceeding the 7-year reporting limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 2 inquiries on my reports that I did not make. One from XXXX and another to XXXX XXXX. Iwas monitoring my credit reports and I see two separate inquiries I did not authorize. I tried to dispute and ask for the items be validated or removed and they remain with no validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 2 inquiries on my reports that I did not make. One from XXXX and another to XXXX XXXX. Iwas monitoring my credit reports and I see two separate inquiries I did not authorize. I tried to dispute and ask for the items be validated or removed and they remain with no validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$99.00} I contacted customer service to inform them of the charges taken from my account that I did not authorize where someone hacked my account, the only thing cashapp customer service said I could do was request a refund from the recipient. I told them that the recipient refuses to refund the money and I needed my money refunded immediately. They said there was nothing they could do no matter how many times I tried to dispute the payments.. 
( This was not the first incident where fraudulent charges were made on my account and cashapp refused or acted like they couldnt help me. They kept saying the only thing I could do was request a refund from the recipient. Which every time the recipient refused to refund the money back to me. ) All together Ive probably had thousands of dollars of my hard earned money stolen from my account due to their security issues.. 
-ultimately cashapp closed my account accusing me of gambling when I know without a doubt I have never used the account for that. That was one of the charges I disputed and they refused to help me dispute them. Now I dont have access to cashapp at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
I contacted Lexis Nexus because my homeowners insurance went from {$2000.00} to {$4000.00} increasing my rent from {$1800.00} to {$2200.00}. XXXX reports that I did a claim for a fire and I never did a claim. I had a small exhaust fire and the adjuster wanted to see if it was worth doing a claim and it was not because my deductible was {$1000.00} and the damage was less than that. No claim was filed and a letter was given to me by the adjuster to verify the withdrawal and to show no claim was filed which I am attaching. XXXX went up on my insurance because they stayed I filed a fire claim and refuses to talk to their own adjuster about what happened. I am unable to get insurance with anyone else due to a fire claim, Noone wants to insure me. I feel like I am being scammed and Nationwide refuses to look into this and keeps telling me to contact XXXX XXXX ( the agent ) and when I do they put the blame back on Nationwide. I contacted Lexis Nexis and provided the proof of no claim being filed but the fire claim is still on the report. I stated no on the report because no changes were made even though I sent in proof. I can not afford to pay {$2200.00} a month in mortgage, {$1800.00} was comfortable for me. I would like someone to look into the claims on my report. It should only be a waterheater and no fire claims.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Last 4 SSN : XXXX Date of birthday : XX/XX/XXXX DATE : XX/XX/XXXX Subject : Identity Theft and Unauthorized Hard Inquiries Dear : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint, which is attached. There are accounts on my report that do not belong to me. 

All required documentation is within this packet and has been faxed and mailed via Certified Mail to your agency. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681c-2, I formally request the immediate removal of the fraudulent accounts and hard inquiries associated with identity theft from my credit report. Under this law, a consumer reporting agency must block information resulting from identity theft within four business days after receiving : 1. Proof of identity.

2. A copy of a valid identity theft report.

3. A copy of my ID 4. A copy of a bill Additionally, under FCRA 15 U.S.C. 1681b ( f ), a credit reporting agency is required to ensure that permissible purpose exists before including hard inquiries on a credit report. Since I did not authorize the inquiries listed below, they should be removed immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) PREMIUM XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX Failure to comply with this request within the legally required timeframe will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action if necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief