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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Deposit Check ATM Notification of 7 day hold Hit Cancel several times and never hit finalize Deposit.

ATM automatically went to next screen without verification Contacted Chase Immediately asked again to cancel Transaction.

Told to contact branch first thing in the morning where I was told there was nothing they could do to contact support.

Calls made Thurs Friday Fridays call final was wait a full day and call back Mon- Lies-Told it was XXXX  that placed hold. I formed rep he lied I was just on the phone with XXXX he then transfered to supervisor who admitted it was Chase that placed the hold.

Chase places holds far to regularly. This is the second time I've had an account with them and was the reason I closed the first one. I could not remember why but, was not long before they jogged my memory.You would think after that many years it would have changed. I did. No other financial Institutions observe their practices. Ive never been lied to so blatantly. Just not a Company I can trust my company with. 

I publish this for others. 
There are honest banks out there that will take care of you. 

XXXX XXXX and Account Holder on 2 way listening to the lies. Supervisor would have kept the lies going Im sure Recordings will not load into documents from phone below Chase and XXXX XXXX have individual recordings and final conference call

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name : XXXX XXXX  - Account # : XXXX Company Name : XXXX XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX XXXXXXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My complaint is with synchronicity Bank they have continually reduced my credit limit due to no fault of my own I have always paid my bills on time and normally more than what the amount due is they are reducing the credit line so it keeps my debt to credit ratio high so they can charge their exorbitant amount of interest and shows that I do not pay my bills for which I do this is deceptive and unfair to people who work hard every day to pay their bills to have a credit card company make their credit report lower than what it should be because they pay their bills and if you share this with them I will be looking into starting a class action lawsuit against them for credit manipulation

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Current Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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: Fraud or scam — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
I wire transferred {$70000.00} from my XXXX XXXX XXXXXXXX account to a Crypto company called CoinBase on XXXX XXXX2025. This money then was stolen from my account. When I contacted CoinBase, I was told the money once transferred can not be refunded. I told them I never authorized it but CoinBase refuses to look into this matter further. 
I contacted FBI and submitted my report of this incidence but Ive been told this will take sometime. Im hoping you could help me recover my stolen money quickly before it disappeared completely

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 cashap ( Block. INC. ) Due to inadequate customer service and unfair practice which violate the consumer financial protection Act ( CfPA ) specifically cashapp failed to take timely effective measured to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. FUTHERMORE, 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I made payment in full of the balance that I owed on my Bread Financial credit card several days in advance of the payment due date. Their system recorded the payment and showed the balance had cleared. After not seeing the payment come out of my bank account even after the payment had processed and due, I contacted them to see what was going on. Only then, a week after I had submitted and payment had been processed, did they inform me that the payment was declined for insufficient funds. Upon hearing this, I immediately made another payment for the amount due. However, they still charged me {$150.00} interest and fees on top of my payment claiming the initial payment had been returned for insufficient funds even though my bank had no record of any payment attempt. Their online help was useless and could do nothing other than tell me the payment came back as insufficient funds ( which is impossible ), when I finally called in and spoke with a supervisor, they said theres nothing they can do. This company is a disgrace and nobody should be doing business with them.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding Experian 's and Transunion failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX. XXXXXXXX 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 I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian and Transunion has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian and Transunion through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. I am attaching all relevant documents, including dispute letters, Experian 's and Transunion responses, and supporting evidence, to this complaint for your review. Thank you for your assis
tance in addressing this matter and ensuring that Experian and Transunion complies with federal laws to protect consumers like me. 
Sincerely, 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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent Portfolio Recovery a certified letter requesting verification of an alleged debt within 14 business days or, alternatively, the removal of this invalid debt from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), as a consumer, I have the right to request proper validation of any debt a company attempts to collect or report to credit bureaus.

In my request, I specifically asked for a copy of the original contract bearing my signature, proving my obligation to this debt. This was necessary because I have received multiple letters from different companies regarding various debts, and I needed legitimate verification before taking further action.

As per 15 U.S.C. 1692g ( b ), a debt collector must cease collection efforts until proper validation is provided. Additionally, under the FCRA, if a company can not verify the accuracy of a debt within a reasonable timeframe, they must remove the disputed information from my credit report. Despite my request, Portfolio Recovery has failed to provide validation or remove this unverified debt within the required 14-business-day period.

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: 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 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX ], [ Account XXXX XXXX ], is inaccurately reporting late payments for XX/XX/year>, XX/XX/year>. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.

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: 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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX for XX/XX/2024. I contacted the Consumer Reporting Agencies to dispute this error, but they failed to conduct a proper investigation and have continued reporting the incorrect late payment. I requested verification of the late payment and documentation proving it was reported correctly, but I have not received any supporting evidence. The late payment should not have been reported, and its continued presence on my credit report is negatively affecting my credit. I am requesting the immediate removal of this inaccurate late payment and confirmation that my credit report has been updated accordingly.

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: 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 victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cashapp was hacked because of a data breach and XXXX dollars was stolen from me. I want all my money back. These transactions was not authorized by me at all. I reported all XXXX transactions with pictures to cashapp showing them the account that was linked was not me and was a hacker and basically they said it was nothing that they can do for me because they said it looked liked I authorized or someone I knew did XXXX! 
XX/XX/XXXX - XXXX dollars was scammed XX/XX/XXXX, XXXX XXXX dollars was scammed XX/XX/XXXX - XXXX dollars was scammed I reported this to cashapp that all monies went to an account under XXXX which was not me. I used my XXXX debit card for all transactions on Cashapp!

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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

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 response to consumer: Closed with explanation