vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
I asked them to delete information off my credit report that cant be verified and had the wrong information on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
At least XXXX ( XXXX ) unauthorized and fraudulent Virtual Debit Accounts created through XXXX withdrawing funds from BANK OF AMERICA XXXX Checking Account. 

XXXX ( XXXX ) fraud claims opened with Bank of America failing to perform due diligent investigaton, failing to provide data, reversal of credits without justification, lack of customer service, and denial letters received without proof or reference to sufficient fraud investigation performed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: WA

Complaint narrative:
There are XXXX unauthorized inquiries on TransUnion credit file. 

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/year> I contacted creditor/furnishers, who placed the inquires on my credit file and asked them to remove it. However to date there have been no contact or message from them. 
Since they have not respond to my demand as of yet, I am assuming that they do not have any evidence to provide and I am requesting TransUnion to delete those inquiries from my credit file

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been using XXXX without a proper disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-29 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: FL

Complaint narrative:
I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. Experian has just been fined for performing sham investigations on consumer credit reports by the CFPB which is the only real credit bureau according to Congress. I am distressed by this damaging information on my credit report and I can no longer be compliant in fraud. 

Experian is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX Bank XXXX but this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance.

1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Experian is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled.

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Experian and asked them to validate this debt properly, yet they failed to correct the information.

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness.

Attached to this complaint are : 1. A copy of my Experian credit report showing the inaccurate balance.

2. A copy of the 1099-C form from XXXX XXXX XXXX  confirming cancellation .

3. A copy of my previous dispute letter to Experian and their inadequate response. 

I urge the CFPB to investigate Experians noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX, {$600.00}, {$450.00}, {$350.00} was scammed from me, I reached out to cashapp for a resolution, they said they cant refund me. 

XX/XX/year>, {$990.00} was spent on a product that I didnt receive, I submitted a dispute with cashapp, they said they werent able to give me my money back. 

XX/XX/year>, {$200.00} was scammed from me, I talked to a cashapp customer service personal. They said it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Unauthorized Hard Inquiries. To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. i did not secure an account with any of the tollowing companies which is securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXXXXXX XXXX DEALER XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XXXX  and all other pulls from this company XXXX XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX  DEALER XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX XXXX HAVE STATED I OWE MONEY. I HAVE NO KNOWLEDGE OF THIS COMPANY. THEY HAVE REFUSED TO SUBMIT APPROPRIATE DOCUMENTS WITH MY SIGNATURE. THIS COMPANY HAS CLOSED ACCOUNT AND SHOULD NOT BE ON MY CREDIT FILES.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
ubject : Experian Refusing to Remove Outdated Address Without Proper Verification Complaint Details : I am filing this complaint against Experian for refusing to remove an outdated address from my credit report despite my formal dispute and request for verification. The address in question is : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX I have not resided at this address since [ Year ], and it is no longer relevant to my credit profile. However, Experian has refused to remove it, stating that it is tied to a debt. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to verify the accuracy of the information they report, but they have failed to provide proper documentation linking this address to a valid and outstanding debt.

Steps I Have Taken : 1. Submitted a formal dispute to Experian on XX/XX/year>, requesting the removal of this outdated address. 

2. Provided supporting documents, including proof of my current address ( drivers license, utility bill, lease, etc. ) to confirm my identity.

3. Requested verification that this address is legally tied to an active debt.

4. Received either no response or an inadequate response from Experian, failing to provide documented proof. 



Fair Credit Reporting Act ( FCRA ) Violation Concern : Experian is required under the FCRA to report only accurate and verifiable information. If they can not provide proof that the old address is legitimately linked to an unpaid, valid debt, they are obligated to remove it. Failing to do so constitutes unfair and misleading credit reporting, potentially harming my financial standing. 



Requested Resolution : I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene and require Experian to : Provide proper documentation proving that this address is linked to an outstanding debt, OR Immediately remove the outdated address from my credit report if they can not verify it. 



Supporting Documents Attached : Copy of my dispute letter to Experian Proof of mailing and delivery ( certified mail receipt ) Experians response ( if any ) Copy of my credit report showing the outdated address Proof of my current address ( utility bill, lease, etc. ) XXXX failure to comply with the FCRA is unfair and needs to be corrected immediately. I appreciate the CFPBs help in ensuring that my credit file is accurate and fairly reported.

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 2025-01-29 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: OH

Complaint narrative:
Dear Consumer advocate, I am reaching out here because I'm not sure where else to turn at this point. I first noticed the issue on XX/XX/year> - it started with my XXXX account. I tried logging into it and noticed that I could not login due to my account being suspended because some XXXX user that I don't even know must have violated their rules and this somehow got connected to my account for some unknown reason. I then learned my XXXX account was hacked and it was at this time that I learned that my Chime bank account I am complaining about had also been hacked because there was a {$60.00} XXXX purchase for some type of x-Box gift card that was made during the time that my accounts were compromised. 

The reason I mentioned my XXXX account is because that is probably how the hacker got my Chime bank account information. The reason I brought up the XXXX hack is because I learned there was no way to reach them to attempt to explain the situation and restore my account ( unless you pay $ XXXXmonth fee for their " customer support '' ), so I contacted the Ohio State Attorney Generals office and logged a complaint. They were able to contact XXXX and get my account restored, but when I asked them for help with the fraudulent purchase on my Chime account, they mentioned they could not assist me with that matter and referred me to this service. 

When I reported this issue to XXXX, they sent me an email confirming that this is a fraudulent charge and they performed the following actions on my XXXX account : Disabled my password Reversed modifications made by the hacker Canceled any pending orders Restored any gift card balance Disabled 2FA verification on my account They also provided me instructions to change my passwords as well as several other recommendations to secure my account. They however said that any reversal of a charge would have to be issued by the financial institution ( Chime in this case ). I sent screenshots of this XXXX email to Chime as well as screenshots ( this is all they allow ) of the email from the Ohio XXXX Attorney general ( which essentially confirms that fraud was committed in my accounts ). I tried to get chime to honor this but they have now twice rejected my claim. I can provide any other details or documents necessary to help resolve this matter. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement. '' Once settled, the balance should reflect as zero without any negative designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The payment history incorrectly lists " 30, 60, 90-day late payments '' in XXXX despite the account being settled and closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm JPMCBs right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
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 non-monetary relief
Consumer complaint received 2025-01-30 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Prior to opening my accounts I was told I would receive {$300.00} deposit it in my account if I maintained a specific balance for at least 90 days. I honored the required balance for over the required time and still never received the {$300.00} that I was promised by the manager and assistant manager of the XXXXXXXX XXXX in XXXX XXXX on XXXX XXXX. I recently consulted with the assistant manager XXXX XXXX to find out the outcome of why I did not receive this money as I was told by another branch manager in XXXX XXXX that I was entitled to receive this money after she reviewed my records and she is the one that made the ticket. XXXX  the manager of the XXXX XXXX office is the that had initially told me about the {$300.00} offer prior to opening my account with the required balance for the {$300.00} bonus.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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