vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} These credit accounts are the results of identity theft and fraud.

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 2025-01-28 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: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-28 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: CA

Complaint narrative:
I filed a dispute on acct # XXXX, XXXX XXXX with a collection amount of {$460.00} due to this account not being mine and not having no knowledge of this account.Experian denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results.This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed and corrected immediately as it's affecting my chances of getting { house, car, etc. }. Experian violates my rights as a consumer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
Got a loan thru XXXX XXXX against my better judgement but it was necessary.. My original loan payment was to be around $ XXXX has been over a year or so { yea have had loan for over a year now }. My payment is due on the XXXX of the month because I am on benefits. Well I noticed increase of anywhere from {$5.00} to {$30.00} or more almost every day which when it comes time to make payment it is way over what I can afford, This makes paying the loan off extremely hard for not XXXX XXXX goes to the principle but to the corporation and there pockets. I have contacted them for advice on what I can do a few times telling them that I can not afford the monthly payments for whatever amount it is at the time and if they don't get payment on a specific date they charge late fees The amount and due date for benefit payments is on the XXXX of the month. Sometimes I can pay it a few days sooner depending on my benefit deposit. How can I get some kind of relief from them if they can't help me. I have been working on finding a loan company who can help me payoff this title loan with a loan that I can manage..I believe that they maybe unjustly overcharging me. It is XXXX XXXX here in Texas. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
XXXX XXXX XXXX has XXXX addresses XXXX XXXX XXXX XXXX XXXX, GA XXXX and their Payment Processing Center address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. XXXX has claimed that I owe XXXX XXXX XXXX for a XX/XX/year> transaction on a Check returned to a closed account. I called XXXX and they have no record of any such situations or transactions, nor do they use this company to collect debt. 
I have verified that XXXX does not take checks, and I don't use checks when purchasing from XXXX. Also, you must select and approve a payment method at the time of purchase before receiving goods or services delivered by XXXX. Due to the above stipulations of XXXX 's service policy, the Collections request for payment by XXXX is fraudulent.

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 2025-01-28 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:
Please help me, I have attached supporting correspondence.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OFG BANCORP
State: PR

Complaint narrative:
On XX/XX/XXXX, I made a cash deposit of a {$100.00} bill to my checking account in an Oriental Bank ( routing XXXX ) ATM machine located in XXXX, XXXX XXXX. The ATM machine accepted the currency but it did not register the deposit in my account. On the same date I contacted Oriental Bank Customer Service Line and made a claim about this incident. Customer Service collect all the requested information and send me an email stating that they will need 30 days to work with the claim and have a resolution of the incident. 

On XX/XX/XXXX, I contacted Oriental Bank Customer Service Line to follow up on my claim. The Customer Service indicated that Oriental Bank Claim Department has not been able to work with my case and a Manager from Customer Service will follow up with them. 

On XX/XX/XXXX and XXXX, XXXX, I followed up my claim again with Oriental Bank Customer Service and obtained the same answers like they were reading from a script. On XX/XX/XXXX, I received a call from a Customer Service Manager which stated that the Claim Department still have no answer and they will contact me a soon as they have one. 

Today XX/XX/XXXX, after 77 days of the claim, I had not receive any notification from Oriental Bank regarding this issue.

I am respectfully asking for your assistance because I complied with all the process established by Oriental Bank and they failed to address this complain in a responsible and correct way. Oriental Bank is failing to their own procedures and providing a very bad service to their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1100.00}

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon applying for a business purpose loan I noticed that someone has gained access to my credit profile and have opened the following accounts XXXX XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XX/XX/XXXX {$3900.00}, XXXX XXXX XXXX {$530.00}, XXXX XX/XX/XXXX {$800.00}, XXXX XXXXXXXX XXXX XXXX {$1000.00XXXX XXXX  XXXX XX/XX/XXXX {$1200.00} and XXXX XX/XX/XXXX {$2800.00}. I've disputed these accounts a numerous amount of times. My last dispute was in XX/XX/XXXX. This is in violation of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which constitutes immediate removal since the alotted time of 30 days had been given to investigate these accounts. I also do not consent to e-oscar nor other electronic forms of verification. I asked for a live person name and address they bureaus or creditors have not furnished this information.

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 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NM

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that XXXX  % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filling out 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. this has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: HI

Complaint narrative:
The repeated errors on my report are causing me a great deal of stress and anxiety. It feels like I'm constantly fighting an uphill battle, trying to prove my creditworthiness when these inaccuracies paint a completely false picture of my financial history.

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 2025-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: VA

Complaint narrative:
Date XX/XX/year> XXXX XXXX I sent in a claim to XXXX XXXX company I faxed in my paper work they claim they never received it. Then I received a letter say denied claim. Then I called them one time they said they never received paper work why the denied. Then they said the company XXXX said no fraud. So I requested new paperwork 3 times they never sent. Then on today I cammed company they said I can not redo a new claim. The agent was rude hung up on me... I have spoked to XXXX this company the {$110.00} fraudulent charges happen. They sent me a email stating it was fraud on my account I didn't authorize the charge. I have the info XXXX listed. XXXX XXXX refuse help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited an unemployment check issued by the State of Texas- State Comptroller of Public Accounts into my Citibank account ( XXXX ) using the mobile deposit service. Prior to this deposit, my account had available funds that were fully accessible and not contingent on the check deposit. 

After depositing the check, I was notified that the funds would be available by XX/XX/XXXX. However, when I attempted to login to my account on XX/XX/XXXX, my online account access was restricted. When I contacted Citibank, I was told my account was under review and would be unrestricted within XXXX hours. At the time the rep asked me details about the check. ( who the check was from and how did I receive the check ) On XX/XX/XXXX, I received an email stating that my account was being closed due to an alleged violation of Citibanks Terms of Service. No specific details were provided about the alleged violation. Citibank also informed me that a refund check for any available funds would be issued within 60 days. 

Citibanks decision to close my account suggests that the bank failed to properly verify the legitimacy of the check I deposited. If the check had been verified, it would have been confirmed as legitimate, and this situation could have been avoided. 

The funds in my account prior to the check deposit were already available and should not have been frozen or withheld. 

Citibank did not provide advance notice of the account closure or offer an alternative solution to access my funds. 

I have pending payments for rent, utilities, and other essential expenses that were scheduled to post to my account. Because Citibank has closed my account and is withholding my funds, these payments may be returned, resulting in late fees, penalties, and potential eviction.

Additionally, there are no Citibank branches in my area, making it impossible to resolve this issue in person. I am under immense financial and emotional strain due to Citibanks actions.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to close on a new home since XX/XX/2024, but I have been faced with significant inconveniences. My sense of being an American is diminishing, and I feel excluded from achieving the American Dream. A problem with my credit was corrected, and as a result, the three credit bureaus made changes to my score that actually lowered it, affecting my current interest rate on the home purchase and making it unaffordable. 

This situation is ridiculous, and I am exhausted by this scoring system, which seems to discriminate against XXXX XXXX XXXX individuals who may not have the same financial means as white individuals. I work hard, like most Americans, and I pay my taxes, yet I can't obtain fair treatment regarding my credit. This unfairness limits my ability to make significant purchases that could help generate wealth for my family. 

I am tired of struggling with this issue. It needs to be fixed, changed, or modified to more accurately reflect the efforts of Americans who work hard and pay their bills on time. As of today, I can not close on my Loan and subject to losing XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Subject : Complaint Regarding XXXX Account Restriction and Lack of Resolution Details of the Issue : I am filing a formal complaint regarding XXXX handling of my account, which has been frozen without sufficient explanation or resolution. I have contacted XXXX multiple times today, yet I am repeatedly told the issue is under internal review and that no action can be taken at this moment. 

Key Issues : 1. Lack of Communication : XXXX has not provided any clear reason for the account restriction or a timeline for resolving the issue. Despite my proactive efforts to contact them and offer verification of my identity, I am repeatedly told that there is nothing they can do at this moment. 
2. Inefficiency in XXXX the XXXX : It does not make sense that XXXX can not resolve this matter promptly, especially when the account owner ( myself ) is calling and ready to verify any necessary information. If XXXX had an issue with the account, I should have been contacted immediately, rather than being left to chase answers. 
3. Failure to Prioritize Customer Access to Funds : As this is my money, XXXX has an obligation to address the matter urgently. Their process of leaving the account frozen with no resolution is frustrating and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2025-01-28 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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 accounts vulnerable and unprotected and canceled. Furthermore, their dispute resolution process was/is 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 inconviences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation