vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I used Cash App to purchase a {$2.00} item at XXXX. Hours later, I received an email and text notification stating that my account was permanently closed due to a Terms of Service violation. However, Cash App has refused to provide any specific details about the violation. Despite multiple attempts to contact their customer support and appeal the decision, my account remains closed without explanation. 

Impact on My Financial Stability As someone managing financial difficulties, I relied on Cash App for daily transactions, including my tax refund and essential money transfers. The sudden closure of my account without warning disrupted my financial stability and delayed access to my money. If I had been given a warning or explanation, I could have taken corrective action. 

Potential Violations of Consumer Protection Laws Cash Apps actions may violate consumer protection laws, including : Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ) This law prohibits unfair and deceptive practices. Cash Apps failure to provide a valid reason for my account closure and refusal to offer a transparent appeals process may be considered deceptive conduct. 
Illinois Community Reinvestment Act ( 205 ILCS 735/ ) This law promotes fair access to financial services. Cash Apps abrupt account closures without explanation disproportionately impact financially vulnerable users who rely on digital banking. 
Federal Trade Commission Act ( 15 U.S. Code 45 ) The FTC prohibits deceptive business practices. Cash Apps refusal to disclose the reason for closing my account while holding my funds could be considered an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I went to buy a car at the dealership they put over XXXX unauthorized inquiries on my credit report, this is IDENTITY THEFT! I did not give them permission to run my credit like that these are the dates and inquiries i want removed, On XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent 3 CERTIFIED letterXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) tDo Equifax, Experian & Transunion on XX/XX/XXXX asking the CRETIT REPORTING AGENCIES to remove these OLD XXXX, XXXX XXXX XXXX I GOT NO RESPONDS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
{$130.00} collection {$640.00} collection {$960.00} collection {$200.00} collection 10 hard inquiries. 

I have submitted request for Transunion Equifax and Experian to verify that these collections belong to me and that these inquiries were done by me. I believe this to be fraudulent and I havent received any documentation showing that these belong to me.

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 2025-03-06 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:
{$130.00} collection {$640.00} collection {$960.00} collection {$200.00} collection 10 hard inquiries. 

I have submitted request for Transunion Equifax and Experian to verify that these collections belong to me and that these inquiries were done by me. I believe this to be fraudulent and I havent received any documentation showing that these belong to me.

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 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Urgent Resolution Needed for Business Account Closure I would like to formally file a complaint regarding Chase 's decision to close our newly opened business account due to alleged fraud detected on our very first deposit. Despite multiple visits to the branch, three in total, and speaking with different branch personnel, we continue to receive conflicting information, and the issue remains unresolved. We have called customer service a total of five times with the same unresolved outcome.

Chase is currently holding the deposited funds, yet the issuing business can not file a claim with their bank since the funds have already been claimed by Chase. We have been informed that Chase utilizes a backend system to verify our business, but it appears to be incorrectly associating our business with a phone number that is no longer linked to us.

We have provided all requested documentation, and Chase has also confirmed the validity of the check with the Controller of the issuing business, which is our customer, a General Contractor. Despite this, no resolution has been provided.

This situation is critically impacting our operations, as we are now unable to pay our employees. We urgently need a solution to resolve this matter. Please escalate this issue immediately and advise us on the next steps.

Thank you for your prompt attention to this matter.

Note : This appears to be a common issue where funds are put in a purgatory for months. Several complains online with similar issues and I have first hand experience with this exact issue happening elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Chime Financial Inc
State: LA

Complaint narrative:
I saw XXXX charges from the same company trying to come out of my account but I did not have the money in my account to cover it. It was the same company but XXXX different amounts, XXXX for {$54.00}, XXXX for {$100.00} and another one for {$89.00}. I called the bank to have the company blocked from pulling money from my account at all. I was worried that when I did get money in my account they would hit my account again. They told me they blocked the company which shows up as XXXX. XXXX from taking money from me but then on XX/XX/XXXX a week later, they hit me for {$100.00} and the bank let it come through. I called the bank and they said they could see where I blocked them from taking money but the person who put it in the system only blocked them from my debit for the {$54.00} & {$89.00} charges on my debit card but had all XXXX amounts blocked on my credit builder account. Clearly their mistake except when I disputed the charge that they cut my debit card off for when I asked them not to, they have denied my dispute. This is the XXXX time they have screwed up and made me pay for their mistakes and I am tired. I called them of course and the guy I talked to said he could not help me and he could not even send me anything showing that I did call them to have these transactions blocked but did admit he could see where I called and they blocked them all but this one charge amount. I have the conversation recorded though.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Indigo Credit account as of XXXX XXXX XXXX card-reporting a balance of {XXXX on an account that was paid off. 

XXXX XXXX  amount is incorrect. 

XXXX is incorrect. 

XXXX XXXX the reported amount is incorrect as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-03-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-03-06 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: LA

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 2025-03-06 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: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to the account XXXX XXXX ( Account No. XXXX ). As per my legal rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation and correction of the following errors : Incorrect Charge-Off Reporting : A 1099-C Cancellation of Debt Form, issued by XXXX XXXXXXXX and dated XX/XX/XXXX, confirms that {$2300.00} was canceled on XX/XX/XXXX. 
Despite this, the credit report continues to list the account as charged off and delinquent into XXXX, which is inaccurate. 
Balance Reporting Violation : The Experian report states the balance remains at {$2900.00}, which contradicts the 1099-C debt cancellation. 
Per IRS guidelines ( IRS Publication 4681 ) and FCRA 1681s-2 ( a ) ( 1 ) ( B ), a debt that has been canceled should not be reported as still owed. 
Continued Reporting of Delinquencies After Debt Cancellation : The account still shows " CO '' ( Charge-Off ) marks for XXXX and XXXX, even though the debt was discharged in XX/XX/XXXX. 
This violates FTC enforcement actions and case law, such as XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which established that outdated or inaccurate negative information must be removed. 
Requested Action : Remove from credit report Ensure compliance with FCRA 1681s-2 ( a ) to maintain accurate reporting. 
Per 15 U.S.C. 1681i, you are required to investigate this dispute and respond within 30 days. Please provide written confirmation of the corrections made. If you fail to correct these errors, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office.

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 2025-03-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : Capital XXXX, Act Name : XXXX XXXX Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX Name : XXXX, XXXX Name : Upgrade, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely 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 2025-03-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : Capital XXXX, Act Name : XXXX XXXX Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX Name : XXXX, XXXX Name : Upgrade, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX

Company response to consumer: Closed with non-monetary relief