vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
These are the inaccurate accounts listed below XXXX XXXX XXXX Account # XXXX Amount : {$1300.00} XXXX XXXX XXXX Account # XXXX Amount : {$2300.00} XXXX XXXX XXXX Account # XXXX Amount : {$900.00} -XXXX XXXXXXXX XXXX Account XXXX XXXX Amount : {$1200.00} -XXXX XXXX XXXX Account # XXXX Amount : {$10000.00} XXXX XXXX XXXX  Account # XXXX Amount : {$440.00} XXXX XXXX XXXX Account # XXXX Amount : {$1400.00} XXXX XXXX XXXX Account # XXXX Amount : {$2800.00} XXXXXXXX XXXX XXXX  Account # XXXX Amount {$720.00}

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I received an email from Chase Bank informing me that they sent me a new debit card that I did not ask for and I said I wanted it canceled. They said it was a glitch in the system and it was too late to decline it. On XX/XX/XXXX I was charged {$5.00} and never received the card. I should have been informed before the card was sent and intercepted. 
On XX/XX/XXXX that card was used to take {$200.00} and {$300.00} an ATM miles away from where I live. At the same time a {$1200.00} withdrawal was made from my checking account and a {$1400.00} withdrawal was made from my savings account. These XXXX withdrawals were later credited back to my account. 
The same person attempted to take more money to put into a holding account but Chase finally realized it was fraud abd cancelled my card. 
Chase had no safeguards in place to prevent this from happening and it was their negligence that caused these problems. I would appreciate my {$500.00} credited back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was a cardholder of the Apple Card, issued by Goldman Sachs, and I believe I was negatively impacted by the poor servicing practices that the Consumer Financial Protection Bureau cited in its XX/XX/year> enforcement action. Specifically, I experienced issues with [ insert brief summary e.g., interest charges being applied despite enrolling in an interest-free payment plan or delayed resolution of billing disputes or incorrect negative reporting to credit bureaus adapt to your experience ]. 

According to the CFPBs action, Goldman Sachs was ordered to pay {$19.00} XXXX in consumer redress and a {$45.00} XXXX civil penalty. I have not received any redress or notification, even though my situation aligns with the described misconduct. I believe I should have been included in the redress process and would like this complaint to prompt a review of my account history and eligibility. 

I have attempted to resolve this directly with Goldman Sachs but did not receive a satisfactory response. I am requesting that the CFPB assist in ensuring that I receive appropriate redress and that Goldman Sachs formally reviews my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent {$25.00} to my sons Cash App account, which I sponsor and manage as his legal guardian. Shortly afterward, my son became unable to access his account for reasons unknown. When attempting to log in, it now states that the account no longer exists.

Since then, we have made multiple attempts to access or recover the funds, including contacting Cash App support at least three times. Each time, we were met with the same generic response stating that, for security reasons, they can not grant access or refund the moneyeven after escalating the issue to a manager.

Ive asked that the funds be transferred to his new Cash App account, refunded to the original source, or canceledbut Cash App claims none of those options are possible. The {$25.00} remains in an inaccessible, deactivated account, and the company is refusing to release funds that do not belong to them.

I believe this is an unfair and unreasonable withholding of personal funds, especially considering this involves a minors account. I am requesting assistance to recover the {$25.00} or have it transferred to his active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope this letter reaches you in good health. I am sending to formally challenge certain inaccuracies in my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting of consumer credit information. 

Disputed Information : I am specifically disputing entries linked to the U.S. Bankruptcy Court under Case # Public Record - US BKPT CT XXXX - XX/XX/year>. U.S. Bankruptcy Court under Case # Public Record - U.S. Bankruptcy XXXX - XX/XX/year> .U.S XXXX Bankruptcy Court under XXXX # XXXX XXXX - XXXX - XX/XX/year>. 

Lack of Verification : It has come to my attention that these items were reported by your organization without the necessary verification from the U.S. Bankruptcy Court, thus raising serious questions about their authenticity. 
Validation Requirements : My subsequent verification inquiries with the U.S. Bankruptcy Court revealed that your organization failed to perform the mandatory validation checks on this public record. Accurate public record reporting is critical, and any inaccuracies can have significant negative impacts on my financial health.

FCRA Compliance : The inclusion of this unverified derogatory information not only affects my credit score adversely but also violates FCRA regulations, which strictly require the reporting of only verified information. 
Request for Documentation : To date, I have not received any substantial evidence from your side confirming the accuracy of this disputed data. The FCRA requires that any inaccuracies be corrected promptly, failing which they must be removed from the credit report. 
Right to Accurate Information : Under the FCRA, I am entitled to a credit report that accurately reflects my financial history without any unsubstantiated derogatory marks. 
Given these issues, I request the following actions to resolve this matter : Immediate Removal of Incorrect Bankruptcy Information : I insist on the permanent removal of all bankruptcy information associated with my Social Security Number that has not been appropriately verified. 
Deletion of Derogatory Marks : Any derogatory information that can not be verified must be removed from my credit report immediately. 
Provision of Updated Credit Report : Following these corrections, please provide an updated copy of my credit report that reflects these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope this letter reaches you in good health. I am sending to formally challenge certain inaccuracies in my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting of consumer credit information. 

Disputed Information : I am specifically disputing entries linked to the U.S. Bankruptcy Court under Case # Public Record - US BKPT CT XXXX - XX/XX/year>. U.S. Bankruptcy Court under Case # Public Record - U.S. Bankruptcy XXXX - XX/XX/year> .U.S XXXX Bankruptcy Court under XXXX # XXXX XXXX - XXXX - XX/XX/year>. 

Lack of Verification : It has come to my attention that these items were reported by your organization without the necessary verification from the U.S. Bankruptcy Court, thus raising serious questions about their authenticity. 
Validation Requirements : My subsequent verification inquiries with the U.S. Bankruptcy Court revealed that your organization failed to perform the mandatory validation checks on this public record. Accurate public record reporting is critical, and any inaccuracies can have significant negative impacts on my financial health.

FCRA Compliance : The inclusion of this unverified derogatory information not only affects my credit score adversely but also violates FCRA regulations, which strictly require the reporting of only verified information. 
Request for Documentation : To date, I have not received any substantial evidence from your side confirming the accuracy of this disputed data. The FCRA requires that any inaccuracies be corrected promptly, failing which they must be removed from the credit report. 
Right to Accurate Information : Under the FCRA, I am entitled to a credit report that accurately reflects my financial history without any unsubstantiated derogatory marks. 
Given these issues, I request the following actions to resolve this matter : Immediate Removal of Incorrect Bankruptcy Information : I insist on the permanent removal of all bankruptcy information associated with my Social Security Number that has not been appropriately verified. 
Deletion of Derogatory Marks : Any derogatory information that can not be verified must be removed from my credit report immediately. 
Provision of Updated Credit Report : Following these corrections, please provide an updated copy of my credit report that reflects these changes.

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 2025-04-10 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: OH

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 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Formal Debt Dispute and Demand for Validation Account # XXXX This letter is a formal dispute of the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), you are legally required to provide full validation and proof of the debt you claim I owe. You are instructed to cease all collection activities until the following are provided : A copy of the original signed contract bearing my wet signature agreeing to the terms of the debt. A full accounting history, including the full ledger, itemized charges, and any payments applied. The full Chain of Assignment, showing how and when the debt was transferred, assigned, or sold to you. A copy of the Forward Flow Agreement and/or Purchase Agreement proving your ownership or authority to collect this debt. Documentation proving this was not paid by an insurance claim or government program. Proof you are licensed and authorized to collect debt in my state please include your license number and issuing agency. You are in violation of the following statutes : FDCPA 807 ( 8 ) Falsely representing information on credit reports. FDCPA 809 ( b ) Failure to provide debt validation upon request. FCRA 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute. FDCPA 805 ( c ) Failure to comply with cease and desist request. If you do not comply with this request within 30 days, I will pursue all legal remedies available under FDCPA and FCRA, including damages of up to {$1000.00} per violation, and attorneys fees. This is your final notice before legal escalation. You are hereby instructed to cease and desist all communications with me regarding this matter unless and until full debt validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Subject : Dispute of Down Payment and Request for Refund Dear Sir/Madam, I am writing to formally dispute the handling of my down payment for the vehicle purchase discussed on XX/XX/year>. The details of the transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount of Down Payment : XXXX Date of Down Payment : XX/XX/year> Despite our agreement and the payment made, I have encountered the following issues : XXXX. Car wrongfully in repossession, sold and never was notified nor allowed me to get my belongings from the car These issues constitute a breach of our agreement and have caused significant inconvenience. I have made multiple attempts to resolve this matter through phone, mail & email but to date, there has been no satisfactory resolution. 

Therefore, I hereby request a full refund of my down payment in the amount of XXXX. Please process this refund to my original method of payment within 14 days from the date of this letter. 

If I do not receive the requested refund within the specified timeframe, I will consider taking further action, including but not limited to filing a complaint under XXXX XXXX XXXX, seeking legal advice, and pursuing legal remedies available under PA law. This also falls under UDAAP. 

Please contact me at XXXX or XXXX to confirm receipt of this letter and to inform me of the steps being taken to process my refund. 

Thank you for your prompt attention to this matter. I look forward to a swift and amicable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Despite paying off XXXX XXXX of the original debt, PNC Bank continues to report this account negatively and refuses to update or verify the accuracy of the information. They have not provided any proper debt validation.

Additional Issue Charge-Off and Tax Implications ( 1099-C ) : When a creditor charges off a debt and writes off the amount as a loss, the Internal Revenue Service considers that cancelled debt as income to the consumer under IRS Code Section 61 ( a ) ( 12 ). In these cases, the creditor is required to issue a Form 1099-C ( Cancellation of Debt ) to the consumer and the IRS, if the discharged amount exceeds {$600.00}.

In this case, PNC Bank charged off {$19000.00}, which clearly meets the threshold for IRS reporting. I never received a Form 1099-C from PNC Bank for this cancellation of debt. This raises XXXX serious concerns : If the debt was truly canceled, and no longer legally owed, then it should not be reported as an active balance or past due on my credit report. 
If the debt was not canceled, PNC Bank should have continued collecting or validated the debt when requested which they have not done. 
Moreover, under 15 U.S.C. 1681c, a credit report can not contain tax-related or income data, including canceled debt treated as income for tax purposes. Continuing to report a charged-off balance as delinquent while simultaneously taking a tax write-off misrepresents the legal status of the debt and misleads both consumers and future creditors.

Violations Summary : 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and complete information 15 U.S.C. 1692g & 1692c : Failure to validate the debt upon request, and continuing collection/reporting without confirmation 15 U.S.C. 1681b ( a ) ( 2 ) ( A ) ( i ) : No permissible purpose for continued reporting of potentially canceled debt IRS Regulations & 1099-C Reporting Obligations : Omission of required 1099-C despite a {$19000.00} charge-off 15 U.S.C. 6802 : Possible improper sharing of nonpublic financial information This situation has had a significant negative impact on my credit, despite my efforts to repay the majority of the loan. The accounts reporting appears retaliatory, punitive, and misleading. I am requesting the CFPBs intervention to ensure that PNC Bank complies with both federal consumer financial laws and IRS reporting rules.

Company response to consumer: Closed with explanation