vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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 am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :.

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 2025-03-16 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-03-16 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
i had XXXX phone numbers and XXXX addresses removed as proof of claim that these items were on my report and they were inaccurate. 

CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE : 15 usc 1681N- any person who willfully fails to comply any requirement imposed under this subchapter with respect to any consumer.

WHAT IS A VIOLATION OF 15 USC 1681N? : ANY PERSON WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSE OR KNOWINGLY WITHOUT A PERMISSIBLE PURPOSE SHALL BE LIABLE TO THE CONSUMER REPORTING AGENCY FOR THE ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00} PER.

15USC1681 IS THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH GOVERNS HOW CONSUMER CREDIT REPORTS ARE ACCESSED AND USED. THE FCRA IS INTENDED TO PROTECT CONSUMERS PRIVACY AND ENSURE THAT CREDIT REPORTS ARE ACCURATE AND FAIR.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My life has been destroyed by these data leaks. Ive been held hostage in a horrible living situation because I cant rent homes or buy vehicles or get a credit card. I got kicked off my daughters college loan. I have to pay extremely high deductibles and deposits and these are not my debts. They have removed some. Just the last day or so. But my credit report will show these horrible things for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Made a payment through XXXX bill pay. The money went into a different account with exact name of intended vendor. XXXX  not helping in recovering funds.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Date of Incident : XX/XX/year>, to XX/XX/year> Company Involved : Coinbase Issue Description : On XX/XX/year>, I received a new debit card from my bank, XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I updated my debit card information in my Coinbase account and successfully passed the verification test. However, when I attempted to make a withdrawal, I received an error message stating " invalid payment method. '' To troubleshoot, I made a small deposit of {$1.00}, which processed successfully. Despite multiple attempts, the withdrawal issue persisted. 

On XX/XX/year>, I contacted Coinbase customer support. They informed me that a XXXX had determined that my debit card had a security feature called " XXXX '' that needed authorization from my bank. I contacted XXXX XXXX XXXX XXXX, and they confirmed that my debit card does not have this feature. In fact, they were unfamiliar with it. I spoke with multiple bank representatives to verify this information. 

When I relayed this information to Coinbase customer service, they repeated the false claim about the " XXXX '' feature. I requested to speak to a supervisor after they continued to assert this incorrect information. The supervisor also repeated the false claim, despite my explanation that my bank had confirmed the absence of this feature. I mentioned that I had previously used Coinbase without issues with a debit card from the same bank, but the supervisor ignored this and ended our conversation by muting me and terminating the session. 

Request for Assistance : I am filing this complaint because Coinbase has provided inaccurate information and has not resolved the issue despite my efforts. I request assistance in resolving this matter and ensuring that Coinbase corrects their misinformation and processes my withdrawal successfully. 

Supporting Details : Date of New Debit Card Receipt : XX/XX/year> Date of Coinbase Account Update and Verification : XX/XX/year> Date of Customer Support Interaction : XX/XX/year> Bank Confirmation : XXXX XXXX XXXX XXXX confirmed that my debit card does not have the " XXXX '' security feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax and Transunion are playing the " don't blame us game '' and have violated FCRA knowingly by reporting innaccurate information on mine and others credit reports to deny well qualified buyer status for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
XXXX XXXX should have been removed due to inaccurate investigation and it is still showing on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On my credit report old accounts that are closed or charged off keep appearing as active like Im using them also there are several accounts that are very old on my credit report that are being reported like there still in use. I dont feel like the credit bureau is reporting my credit score correctly. I have disputed several times but nothing changes

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 2025-03-16 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: AL

Complaint narrative:
I sent a payment to a friend who no longer has access to the cash app account. As soon as I found out I opened the app to cancel the payment under the options stating what you can do when I press the option to cancel it changes color but does nothing. I was told to delete the app and reinstall, I did this but nothing happened when I tried to cancel this payment. Then I was instructed to request the money back at which point I was told I can not request money I should ask them to send me money. I was told at that time I would have to wait 14 days for the money to return to my account. So I dont know what to do at this point I was told I cant speak to a manager but they will email me in XXXX hours. This is not right if I have the option saying WHAT YOU CAN DO. I should be able to cancel this payment if it has not been received. 
The date of payment was XX/XX/year> The amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
I filed a dispute on fraudulent hard inquiries due to I did not authorize them to run my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a home.

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 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I received a notice via credit reporting, ( credit reporting, XXXX ) stating that an account had been closed on my credit file from XXXX. The closed account decreased my XXXX XXXX by XXXX pts on XX/XX/XXXX. I filed a dispute through XXXX XXXX and Current reached out to me to discuss how the account did not belong to me. Current then removed the account from my credit, however, when the file was removed on, XX/XX/XXXX, my score decreased another XXXX pts. How is my credit being negatively affected XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XX/XX/XXXX, I reached out to Care Credit concerning an high interest amount of {$400.00} dollars towards the current balance of {$730.00}. Their excuse was I didnt obligate to a bonus I had know idea about from XXXX. My concern was to close out of associating with the company. They set up an agreement to drop the interest rate if I paid {$650.00} immediately to close the account. We arranged to pay {$320.00} half the amount and the remaining balance XX/XX/XXXX. I in good faith from an agreement contact Care Credit to pay it off. They denied the agreement of {$650.00} and that I pay the full amount with interest. From my temper they they lowered the rate for me to pay an additional {$150.00} to the last payment of {$320.00} from the {$650.00}. I simply want to discard any association with this company. Something must be done from a fraudulent disservice to patients healthcare.

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 monetary relief
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I purchased a coffee maker from a fake site " XXXX XXXX '' on XXXX they captured banking information, charged the card, then removed their site and any trace of the fake business. I placed the order, saw that it was suspicious, reviewed the origin of the XXXX listed on the site ( some persons track home in XXXX  with an encrypted personal email ) immediately tried to cancel the order ( have proof and tracking of these attempts including the fake site ) - returned to the site and the transaction site was removed from the web. I filed a complaint XX/XX/XXXX with Bank of America - the erroneously said they reviewed the case and the fake company provided shipping information that the item was shipped, however upon further request for the proof of shipping, Bank of America was not able to supply anything or show any proof of proper purchase or receipt of goods. I have requested them to reopen the case as all proof of a fake company was provided by me and the case has been delayed, lost, denied, reopened again and again for the last XXXX YEARS running. The " new '' case number is XXXX, reopened yet again on XX/XX/XXXX. 

I will be closing all my accounts with this bank after decades of being a loyal customer as I have spoken with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and again XX/XX/XXXX for an fraud case placed on XXXX with XXXX XXXX, a fake business.

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 monetary relief
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I purchased a coffee maker from a fake site " XXXX XXXX  '' on XXXX they captured banking information, charged the card, then removed their site and any trace of the fake business. I placed the order, saw that it was suspicious, reviewed the origin of the XXXX listed on the site ( some persons track home in XXXX  with an encrypted personal email ) immediately tried to cancel the order ( have proof and tracking of these attempts including the fake site ) - returned to the site and the transaction site was removed from the web. I filed a complaint XX/XX/XXXX with Bank of America - the erroneously said they reviewed the case and the fake company provided shipping information that the item was shipped, however upon further request for the proof of shipping, Bank of America was not able to supply anything or show any proof of proper purchase or receipt of goods. I have requested them to reopen the case as all proof of a fake company was provided by me and the case has been delayed, lost, denied, reopened again and again for the last XXXX YEARS running. The " new '' case number is XXXX, reopened yet again on XX/XX/XXXX. 

I will be closing all my accounts with this bank after decades of being a loyal customer as I have spoken with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and again XX/XX/XXXX for an fraud case placed on XXXX with XXXX XXXX, a fake business.

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 monetary relief
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation