vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX, Trans Union immediately. 

XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX  {$2700.00} 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 2025-01-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX  {$2700.00} 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 explanation
Consumer complaint received 2025-01-25 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: MO

Complaint narrative:
Dear CFPB and TransUnion Re : Failure to Investigate Requesting Removed of the XXXX charge offs that contain inaccuracies but my not investigated within 30 days ( XXXX, XXXX and XXXX XXXX XXXX  charge offs ) On XX/XX/XXXX, I requested from Trans Union a thorough investigation on my account due to an accuracy specifically of XXXX charge offs ( XXXX XXXX XXXX  accounts, XXXXXXXX XXXX XXXXXXXX ) On XX/XX/XXXX Trans Union received my request for the investigation on the XXXX charge offs. 

Additional information was provided to Trans Union and on XX/XX/XXXX I was notified that Trans Union was completing my investigation on the XXXX charges The XXXX charge offs that contain inaccuracies are easy to find since I have only four The inaccuracies on the 4 charge offs are abundantly obvious On on XX/XX/XXXX more than 30 days after my submission and after the receipt of my request for an investigation, TransUnion sent me a preprinted form letter via a computer that was vague and ambiguous Trans Union Center their and ambiguous letter on Saturday outside of business hours The letter from Trans Union suggested that they have failed to do an investigation at all. 

Because they failed to do an investigation on the four charge offs that I had requested I suffered damage and loss Failure to do an investigation long after the 30 days or in this case at all is FCRA violation Sending me scripted form letters, long after the due date that is very ambiguous and difficult to understand is a matter of bad faith judgment. 

Since Trans Union failed to do an investigation and was allegedly unable to do an investigation on the four charge offs then Im asking that they delete the four charge offs in question.

The four charge offs in question are the following XXXX XXXX XXXX XXXX  Charge offs XXXX XXXX XXXX Bank charge offs XXXX with a XXXX balance another one with the reported balance of {$2400.00} XXXX XXXX  charge offs

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 2025-01-25 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: WA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion 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, Transunion 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 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, TransUnion 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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX, XXXX, and 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 2025-01-25 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: First Help Financial, LLC
State: WA

Complaint narrative:
On XX/XX/year> I received XXXX emails from XXXX XXXX alerting me that there had been a change to my XXXX credit report. I logged into my XXXX XXXX account and saw there were two credit inquiries on XX/XX/year> that I did not recognize or authorize. One inquiry shows its from XXXX XXXX XXXX and the other shows its from FIRST HELP FINANCIAL. I called XXXX XXXX XXXX and they confirmed they did run a credit check for someone with the same name and birthday as me but she had a different social security number. They did not have a solution on how to stop this from negatively affecting my credit score, and suggested I file a dispute. These two inquiries were not made by me or for me and were not authorized. They are negatively affecting my credit score and I would like the inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I applied for the Best Buy Citi Visa card to take advantage of the 12 month no interest period on purchases made in the first two days of approval. I waited until the card came in the mail, and then activated the card and tried to make an account to get statements and make payments electronically. Unfortunately, through no fault of my own, something went wrong with the account creation process and I was not able to sign in with the account credentials I created. I was then instructed to call customer service to resolve the issue. I was told that day to wait about 10 days ( this wasnt very clear as the agent I was talking to was slurring their words and mumbling, I have talked to XXXX customer service agents with better enunciation ). Today I received my first paper statement and called customer service again to clarify what was going on. I learned that somehow during account activation I was not able to be verified ( all steps that I was required to follow were completed, nothing to do with my actions ) and that because the account was new the customer service representative took some action to send a letter in the mail in order to verify my identity. This will potentially arrive about 7-10 business days before the first payment is due. If anything else goes wrong by accident I might be charged late fees. I believe this whole process is a technique by Citibank to forcibly incur fees and increase their revenue.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in 2023 and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for Citibank , N.A . ( Home Depot Credit Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY 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 2025-01-25 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: VA

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : XXXX Reported : XX/XX/XXXX sum of {$4800.00} Closed XXXX  XXXX Reported : XX/XX/XXXX is reporting {$0.00} and Closed XXXX XXXX Reported : XXXX. XXXX, XXXX is reporting {$0.00} and closed XXXX  Reported : XXXX. XXXX, XXXX is reporting {$0.00} and closed XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX XXXX FIN Reported : XXXX. XXXX, XXXX is reporting {$0.00} and closed XXXX  XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX sum of {$870.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX sum of {$230.00} Needs Attention Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to XXXX XXXX activity until the debt is validated.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Company continues to place incorrect information on my credit profile causing me to not be able to provide for my family financially.

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 2025-01-25 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Company continues to place incorrect information on my credit profile causing me to not be able to provide for my family financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
there is an open account on credit report and i closed it 11 days ago.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 proce 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 XXXX  financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I started my Coinbase Wallet on XX/XX/XXXX from a transfer from my investment account XXXX ( see photos ) transferring first actual deposit of {$100.00}. The second deposit was {$300000.00}. I worked with XXXX the tech support person at XXXX. He walked me through it step-by-step. He also told me to deposit the high amount almost emptying my investments. 

I confirmed the deposit was made. I waited for the funds to be verified/confirmed by Coinbase Wallet . ( See photo ) I wanted to withdraw and convert XXXX to XXXX to my bank. XXXX suggested contacting someone he knew at Coinbase who would be able to help. Hr sent the following email from Coinbase Support XXXX was sent to me saying : In a case were you dont want to convert your entire assets youll also need to pay this 5 % fee so that in future you would not need to pay another gas transaction fee in other to carry out a transaction on your coinbase wallet On Fri, XXXX XX/XX/XXXX at XXXX, E Mail XXXX wrote : What is I dont want to convert all of it. 

On Fri, XX/XX/XXXX at XXXX Coinbase Support XXXX wrote : In your case youve received a one time deposit of {$300000.00} which coinbase would take a 5 % fee for you to be able to convert from XXXX  to usd and then to your bank immediately from your coinbase wallet, also note that this said 5 % XXXX  XXXX would be using to withdraw would also be withdrawn back by you because all deposits goes straight into your coinbase wallet address then to your bank. 

He then sent me a wallet hash address in an email to send {$15000.00}. He said that the requirement was required to be deposited in XXXX before I could have access to my funds. But I looked around in the buy features and did not see that hash address. 

Meanwhile, XXXX back at XXXX, was pushing me to move forward with this and I could make smaller payments. 

The email address was not from the Coinbase domain but it looked legit. ( See photo ). 

I have never heard of upfront fees in XXXX. Especially 5 % of {$15000.00}. I XXXX for XXXX hrs and never found anything in Coinbase disclosures o. That kind of fee. My {$300000.00} is bound up and can not be used for anything. This was very suspicious to me. 

As XXXX, a representative support person of XXXX, he should have known the restrictions or upfront fees from Coinbase Wallet. I kept saying I did not want to withdraw such a large amount. Because for me to do just what he said. I told him I wanted to make small withdrawals to supplement my pension income. He said I could do the same thing from Coinbase Wallet. BUT, Never mentioned the upfront new user fee of 5 %. I would have stopped at that point. I never encountered this on any other crypto site. 

Your help is needed to unravel this mystery and get my money return to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I purchased a trial access to XXXX for {$1.00} XX/XX/XXXX using a virtual temporary credit card number issued by Capital One. This virtual temporary credit card number is linked to my Capital One credit card account. Capital One heavily advertises this service to no Customers as a highly secure way to make credit card transactions. 
Capital One states the virtual temporary card number can be locked to prevent unauthorized charges on their website. Immediately after making the {$1.00} charge to the virtual temporary number I logged into my credit card account and locked the virtual temporary credit card number so I would receive no further charges. 
I cancelled my trial XXXX membership. XX/XX/XXXX. Despite canceling, I received an email from XXXX informing me they renewed my membership and charged me {$59.00} on XX/XX/XXXX. I logged in to Capital One and it still shows my virtual, temporary credit card number is locked which should have blocked this transaction. 
Online chat was useless. I called Capital One numerous times with long holds. I was finally able to connect with someone in Capital One 's foreign call center XX/XX/XXXX who transferred me to another rep who was very rude and highly reluctant to process my dispute. I was issued dispute number XXXX but the XXXX rep collected very little information and acted like Capital One had every right to allow the unauthorized charge to my locked virtual, temporary credit card number. 

XXXX was wrong to charge me after cancelling the trial membership but Capital One erred in several significant ways that could harm all their credit card customers including : 1 ) Capital One allowed the unauthorized charge to my credit card. 
2 ) Capital One promotes their virtual, temporary credit card numbers as a safe way to prevent unauthorized charges. 
XXXX ) Capital One provided XXXX my actual credit card number without my consent so XXXX can charge me as often as they want in any amount they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
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. 
Account type credit card XXXX XXXX XXXX XXXX XXXX Account type Charge card XXXX XXXX XXXX Account type line of credit XXXX  XXXX Account type Credit card XXXX XXXX  XXXX XXXX Account type Credit card 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
Consumer complaint received 2025-01-25 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I received notifications that I had changes to my credit report on file. After reviewing my credit report on XX/XX/year> I recently seen two accounts from the same company placed on my report. I never opened such account with this company Collections Management and never have given written consent for my personal information to used by this company. I attempted to call the company with the info that is provided and the number was disconnected and not in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Im trying to reach Experian and I cant get any live person on the phone

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