vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am submitting this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple dispute attempts. Equifax has violated my consumer rights under the following provisions : 15 U.S.C. 1681i ( 5 ) Failure to properly investigate and correct errors in my credit report.

15 U.S.C. 1681c ( c ) Failure to remove outdated or incorrect information.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy in reporting.

I have submitted multiple dispute letters requesting the removal or correction of inaccurate information on my credit report, yet Equifax has not complied within the required timeframes. I have attached copies of my dispute letters and Equifax responses ( or lack thereof ). The Accounts Disputed : Bankruptcy XXXX claims its been verified but verified the original creditor does not report to any credit agency or 3rd party so how was it verified and by whom. 
Multiple inquiries that were disputed over months and yrs as identity theft or not authorized Equifax also have been completing disputes in record times like with thin a few hrs and labeling items as verified how you didnt have time to investigate it. 


Additionally, I recently learned that the CFPB has filed a lawsuit against Equifax for engaging in sham investigations and failing to properly handle disputes. This further supports my claim that Equifax is violating my rights under the FCRA and negatively impacting my ability to access credit, housing, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
After my first transaction with my Chase credit card ( {$290.00} ) approved, every online attempted purchase after this transaction became falsely flagged for fraudulent activity. It would only let me use it occasionally. Which is why transactions made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX were approved. I called Chase to verify that its not fraud and everything went okay until they asked me random security questions that were not relative to me and my life, but my account and card still got closed for suspicion of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I am sending this complaint regarding incidents of fraud and a data breach that has affected me personally. I became aware that my personal information, such as Social Security number, bank account number, credit card information, etc., was exposed due to a security breach or fraudulent activity. I believe that, unauthorized transactions, identity theft, misuse of personal data, etc. As a result, I have experienced significant distress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sending this complaint regarding incidents of fraud and a data breach that has affected me personally. I became aware that my personal information, such as Social Security number, bank account number, credit card information, etc., was exposed due to a security breach or fraudulent activity. I believe that, unauthorized transactions, identity theft, misuse of personal data, etc. As a result, I have experienced significant distress and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
A " XXXX '' account opened by " XXXX XXXX XXXX  '' on XX/XX/XXXX with total fraud charges of {$3800.00}. PLEASE BE AWARE : Date Discovered XX/XX/XXXX and Date fraud began XX/XX/XXXX have been switched on my identity theft 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 2025-02-03 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:
A " XXXX '' account opened by " XXXX XXXX XXXX  '' on XX/XX/XXXX with total fraud charges of {$3800.00}. PLEASE BE AWARE : Date Discovered XX/XX/XXXX and Date fraud began XX/XX/XXXX have been switched on my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
Because Self Inc ( formerly self financial ) locked my account, I can not provide exact dates or amounts. 

I had two accounts with self inc. A credit builder account and a self visa secured credit card. Both accounts were in great standing. There were no issues, no current balance due, no late payments, in fact they just increased my credit limit to {$420.00} 3 days prior to learning that for an unknown reason, my credit builder account was closed. After 4 phone calls spanning two weeks, I found out the following : both accounts were closed and were being investigated for a reason no one was able to explain. They told me that within 1-2 days I would get an email from the team that handles that kind of stuff they dont have a phone number. I pressed the issue and requested to speak with a supervisor, but the only added information I attained was that they would be sending me the account balances ( around {$650.00} total ) to my bank account on file. He added that it should take a week or so, but if they need to send a check instead, it could take up to a month to arrive. 

That was two months ago. I still havent gotten an email or received any payments. No response from their support address, and every time I call to figure out whats happening, I get placed on a hold that lasts until they hang up ( last time it was over 2 hours ).

From what I can tell, the same 3-4 people handle the support line. 

This has caused a slew of financial issues that have snowballed into over {$2000.00} of late fees and other charges due to their mismanagement of my money. My credit will also take a hit from a total of 3 closed accounts in a short period of time ( they closed one prior to this after I hit the deposit limit. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Information has been reported and place incorrectly on my credit 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score dropped XXXX points after XXXX reported my students loans as deferment when they are currently in forced forbearance due to the SAVE plan litigation. I have reached out the the credit bureau 's to dispute the change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, someone managed to get a hold of my old debit card information and they stole {$180.00} from my checkings account I tried settling it with my bank ( Suncoast Credit Union ), but they didn't do anything to help. 
I sent it a dispute about the unauthorized charge and after about a week I got no response so I went to a physical location to ask about it. 
The employee said that because it was a physical chip that got used, they didn't believe my dispute since in the dispute I said that I had my card on me. 
The banking app said the charge was used at a XXXX XXXX in XXXX IL, and I live in Florida, furthermore, I bought food from a local restaurant the day before the fraudulent charge. 
How would it be possible to go from Florida to Chicago then back in 1 day, all for just {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes my capital one account was hacked supposedly so capital one put restrictions on my account on XX/XX/XXXX. They told numerous times that they will fix my account and give me another account to start with. Its going on XX/XX/XXXX and I still havent got my account back right. I have {$3300.00} available in my account but they wont let me get my money or anything. They keep telling me lies about when it will be open and still nothing yet. Im behind on my bills etc. This is not right. I did everything they ask for my verified id.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
in XXXX I made payments of over {$1000.00} dollars have them confirmation numbers and they brushed it off as dome sort of mistak i paid ot and now there using my back payments which I have paid as nit being paid. Please investigate the company they are ripping people off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I am filing a formal complaint againsXXXX XXXX XXXX XXXX XXXX XXXX regarding their unjustified restriction on my account and their complete lack of response to my multiple inquiries. 

Complaint Summary : I have an active account with XXXX, but I have been unable to withdraw or transfer my funds due to what XXXX  claims is a security restriction. 
Despite this restriction, I am still able to purchase assets but can not sell or withdraw them. 
I have sent over 15 emails to XXXX support team, but I have received no response or any instructions on how to resolve this issue. 
The inability to access my funds and the lack of communication from XXXX  is causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently noticed a collection on my credit report for XXXX, XXXX, and TransUnion, but i am not familiar with this debt. I sent out letters on XX/XX/XXXX and XX/XX/XXXX asking for verifiable proof that this debt belonged to me. I asked for hard evidence that goes all the way back to the original creditor, and not verification from a third-party database. I just received notifications that the dispute was finished and the debt collector " XXXX XXXX '' was going to stay on my report, but i never received anything in the mail showing this debt belongs to me. This debt needs to be removed from my credit report according to the FCRA law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Same house and floorplan as ours closed last week and based on the closing price value, we would be below the 80 % LTV mark to drop the PMI. Regions acquired my loan 6-12 months ago and stated that since I am requesting an early removal before 5 years, I need 75 %. After providing this information to our lender, and several other lenders, they have informed me that I need 24 months of on time payments ( which I have ) and if the home value continued to go up and meets the 80 %, I can request the PMI to be removed. The language is also in the original closing documents.

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