vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment reported on my XXXX XXXX account. I am disputing this entry under the Fair Credit Reporting Act, 15 U.S. Code 1681, which mandates that credit reporting agencies and furnishers of information ensure the maximum possible accuracy of consumer credit data. The reported late payment is incorrect and has caused financial and reputational harm, negatively affecting my creditworthiness. The late payment does not accurately reflect my payment history, and I am requesting that it be corrected to reflect the accurate status of my account. I want to clarify that I am not requesting the removal, deletion, or closure of my accountinstead, I am seeking an update that accurately reflects my payment record in full compliance with federal law. Due to this erroneous late payment, I have experienced unjustified denials for credit applications, increased interest rates on loans and credit lines, potential loss of favorable lending terms and financial opportunities, and unnecessary damage to my credit score, despite responsible financial behavior. This incorrect reporting violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer credit data. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or incomplete information to credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute incorrect information, and XXXX XXXX is legally required to conduct a proper reinvestigation within 30 days to ensure compliance. Furthermore, under 15 U.S.C.1681n, willful non-compliance with the FCRA may result in penalties of {$1000.00} per violation, and under 15 U.S.C. 1681o, negligent reporting practices also carry legal liability. I respectfully request the following actions : delete the inaccurate late payment entry and update my payment history to accurately reflect my account status, ensure my account remains open and active without any adverse impact on my credit profile, and provide written confirmation that the correction has been made and that my consumer report reflects the accurate payment history.

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 2025-03-17 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 ). 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 2025-03-17 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX XXXX Date of Inquiry XX/XX/year>

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
While I was out of the country on XX/XX/XXXX my phone was stolen. I reported my phone stolen to my cell phone company and I checked my banking account and noticed {$1900.00} was sent to someone via XXXX. I filed a claim with Chase the very same day. I was told that they would credit my account with {$1900.00} as they investigate the transaction and lock my online account until I come back home and was able to logon. After speaking with someone in the fraud they told me my claim was denied because it was done using my app. This is totally unacceptable because I did not authorize anyone to XXXX anyone using my account. No matter how this transaction was made it was not authorized and the customer should always be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am submitting this complaint regarding an inaccurate late payment reported on my XXXX XXXX account. I am disputing this entry under the Fair Credit Reporting Act, 15 U.S. Code 1681, which mandates that credit reporting agencies and furnishers of information ensure the maximum possible accuracy of consumer credit data. The reported late payment is incorrect and has caused financial and reputational harm, negatively affecting my creditworthiness. The late payment does not accurately reflect my payment history, and I am requesting that it be corrected to reflect the accurate status of my account. I want to clarify that I am not requesting the removal, deletion, or closure of my accountinstead, I am seeking an update that accurately reflects my payment record in full compliance with federal law. Due to this erroneous late payment, I have experienced unjustified denials for credit applications, increased interest rates on loans and credit lines, potential loss of favorable lending terms and financial opportunities, and unnecessary damage to my credit score, despite responsible financial behavior. This incorrect reporting violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer credit data. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or incomplete information to credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute incorrect information, and XXXX XXXX is legally required to conduct a proper reinvestigation within 30 days to ensure compliance. Furthermore, under 15 U.S.C.1681n, willful non-compliance with the FCRA may result in penalties of {$1000.00} per violation, and under 15 U.S.C. 1681o, negligent reporting practices also carry legal liability. I respectfully request the following actions : delete the inaccurate late payment entry and update my payment history to accurately reflect my account status, ensure my account remains open and active without any adverse impact on my credit profile, and provide written confirmation that the correction has been made and that my consumer report reflects the accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: KS

Complaint narrative:
I have provided a FTC Fraud affidavit to XXXX XXXX multiple time. They failed and did not investigate. Additionally they have refused to provide me with additional required documents to prove fraud. XXXX XXXX is now threatening me. This is harassment. 
Ive attempted to work with them to prove this is not mine.

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 2025-03-17 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: KS

Complaint narrative:
I have provided a FTC Fraud affidavit to XXXX XXXX multiple time. They failed and did not investigate. Additionally they have refused to provide me with additional required documents to prove fraud. XXXX XXXX is now threatening me. This is harassment. 
Ive attempted to work with them to prove this is not mine.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX  XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had several claims file in cash app transcations cash out to a debit card that didn't belong to me-march XXXX -march XXXX. The debit card is not in my name hownfors cash app allow a debit card on your account that's not mine. I didnt receive any alerts my phone was not in my possession I was taken to a batter womens shelter. I have explain this 600 times with cash app whose employees are incompetent. I ddnt authorized this transactions or authorized anyone else to do these transcatios.by the efta regulations they are to refund my money and haven't done so. The cfpb inquiry email and phone line are no help they are just scripted emails like everything else at cash app. I have lost everything I own because of them and now cps taking my kid because I dont have a home because of this fraud. Cash app is clearly at fault here allowing someone to add their debit card to my account. There is no secruity at cash app I will be taking this to all the news outlets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX  XXXX XXXX XXXX : {$5600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$63.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have tried to use this {$300.00} prepaid Amex gift card a few times : XXXX XXXX, XXXX  : Declined by XXXX XXXX XXXX, XXXX  : Declined at retail merchant XXXX XXXX, XXXX  : Declined by XXXX XXXX  ( 3 times ) I am absolutely UNABLE to use this gift card online or at stores because the expiration date is too far out ( XXXX ) and there's no zip code attached to it. Therefore, the {$300.00} gift card I received is absolutely useless. 

Even though this is an American Express gift card, the bank itself can not help you. That's because its prepaid gift cards are issued by a third-party company that DOES NOT OFFER customer service, either by phone, email, or mail. 

I only knew to report Amex to the CFPB after reading similar experiences on XXXX of consumers unavailable to use these scam gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
1. Lack of Fairness for Business Guarantors Chase markets the Ink Business Card as a business product, yet still penalizes personal credit reports for payment issues.

2. No Opportunity for Goodwill Removal Despite my proactive engagement and excellent overall payment history, Chase refuses to work with me on a goodwill adjustment.

3. Harm to Personal Credit Without Clear Business Reporting Terms There is no transparent disclosure at the time of issuance regarding the impact of late business payments on personal credit reports.

4. Unintentional Oversight Due to Accounting Turnover at Company This late payment was not a result of negligence but rather a transitional issue when our accounting team changed in late 2024. The new team discovered the Chase XXXX card during XXXX reconciliations, and at the same time, I noticed the late payment on my personal credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-17 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Couple of weeks ago, I tried to open a new checking account with Wells Fargo. The request was denied, and when I asked about the reason, the bank did not share and were not able to give me any information about the reason of denial. The bank said that I should receive a letter from the Consumer Protection Bureau explaining the reason. So far I did not receive any information neither by mail nor by email about the reason of the denial, neither from the Bank nor from CFPB. I appreciate all your help. Thanks

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 2025-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
The company raised the taxes and never inform me about it until few weeks ago. They never tell me that the escrow was empty until few days ago. Also I have a tax exemption from the town and they refused to give me the exemption. I pay the mortgage, property tax and insurance in my monthly payment. However the company just told me that I have to pay them back the escrow that they pay for me after I file my taxes. I try to pay the mortgage to the company last month and this month and the mortgage company refuse to take it. They want me to pay them back the escrow or they will report me to the credit people. They want me to pay XXXX every month and the escrow.

Company response to consumer: Closed with explanation