vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
First off, I am very hurt that XXXX XXXX would report me {$2.00} past due to the credit bureaus. I went online and spoke with someone via phone and go the entire balance to pay account down to {$0.00} since the account was restricted. I've been working really hard on my credit due to medical equipment I need financing my for permanent medical condition. I am veteran who served in the XXXX XXXX to protect this country and was treated horribly by XXXX the so called account XXXX. I asked XXXX to review the account the day i paid the account off in XXXX of 2025 and she refused to research it instead she yelled at me and sent me into a frinzy. Why would I pay everything except {$2.00} on an account that does not make sense at all. I am requesting an internal audit because I paid this account off in full and a 30 day late should not have been reported to the credit bureaus. I also was questions why don't you check you balance online, the answer was very simple if I paid the entire balance and the account is restricted why would I check I can't use the card. I paid the entire balance I'm asking for an internal audit the {$2.00} dropped me over XXXX points. I did the right thing by paying this account off in full based on what XXXX XXXX told me my balance was. Since I learned I was charged more fees I just paid {$10.00} plus dollars for something and I shouldn't have been charged those fees. I'm asking and begging for a good will adjustment I've never requested XXXX but I need this adjustment and update to the credit bureaus removing this 30 day late so I can get medical equipment financing, I have been doing good XXXX off and down debt. Please consider this letter for a good will adjustment and an update removing the 30 day late payment for {$2.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-04-09 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my credit report to this complaint on the following dates. XX/XX/year>XXXX  i am now requesting you investigate this account and update this payment as PAID ON TIME immediately. Thank you for your understanding and prompt action.

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 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
I moved to Alabama in XXXX and there is no branch of XXXX bank within XXXX miles and I have this saving account with them which went dormant due to inactivity and I got no notification from the bank that it went dormant and they started charging me fees which is total of {$270.00} and when I talked to them they refuse to refund this amount. I told them them I did not received any communication that account is dormant and you started charging me this fee and they said you enabled paperless billing/communication on you account but its not active as it is not verified. So in short there was no communication I received from the bank and they never tired to call me or anything but kept on charging me this dormant fees of {$5.00} every month for the last XXXX years totaling {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
On or about XX/XX/XXXX I contacted the bank about making very large cash withdrawal. I was told that we would have to contact the manager on the following Monday. When contacted I was told it would have to be Tuesday. On Tuesday I was told it would have to be next Monday because she was off until then. My father in law myseld and my husband went to the bank on the following Monday and met with the branch manager, risk management and another gentleman that I am not sure what his role was. My husband was not allowed in the meeting even though his father asked for him to be there and was made to leave the room. During the questioning they wanted to know what he was going to do with the money, why he wanted it out of the bank, the risks involved etc. At the end if the meeting we were told it would take about 2 weeks to finalize the transaction. All was good as far as we were concerned. On Thursday XXXX XXXX received a call from the XXXX telling me that the transaction was not going to happen. That that amount of money was not something they could give out. I asked what amount could he withdraw and she said that she did not ask that question. When my husband tried to ask her a question she replied she could not talk to him since he was not a signer on the account. I told her we would be up to add him to the account. When we arrived we went to her office and my husband asked her to get the person responsible for the decision on the phone she said the was not possible even though it was only XXXX. She asked for our drivers licenses and we supplied them. When asked again who made the decision she told him he was not on the account even though we were there to put him on. She then said why does he have to make the withdrawals on the account referring to my father in law and I asked her to repeat herself she did and my husband did lose his temper and told her it was none of her f*** business. and she replied XXXX XXXX XXXX I'm tired of you pecking at me and threw our licensees back at us stating XXXX meeting was over. we exited her office and I stopped at tellers and withdrew a large amount in cashiers checks from his account. The next day we were served with the notice of no contact or trespass and termination of banking relationship. 
I was locked out of online banking and have no was to acess the money left in the accounts they still hold XXXX of the XXXX. They did sent checks closing XXXX of the accounts but I am not sure what is going on with the others. XXXX is a guardianship account for a young man I am guardian of and I have to pay his living facility monthly. the other is a business account and also our personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TN

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Contract Callers placed a collection account on my credit report on behalf of XXXX for a balance of {$120.00} a debt I was never properly notified about. I only became aware of this alleged balance after it was already placed on my credit report. I was never contacted by phone, email, or mail before this negative mark was reported. On XX/XX/year>, weeks after the reporting, I received a copy of the final bill clearly showing that documentation and validation were only provided after the account had already been furnished to Equifax. In their own response, Contract Callers admitted they had to reach out to the original creditor to obtain verification after the fact, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). They also claimed they werent notified by USPS of returned mail, but no actual proof of contact has been provided. Mailing something to an outdated address and assuming it was received is not compliant with FDCPA or the Fair Credit Reporting Act ( FCRA ). If I had been properly notified beforehand, I would have had the opportunity to resolve or dispute the balance and it would not have escalated to being placed on my credit report. I submitted disputes to all credit bureaus. The item was removed by all except Equifax, despite the same documentation being submitted to each. I am adding Equifax to this complaint for continuing to report inaccurate and improperly validated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A debt collection has been added to my account that I have no knowledge about from XXXX XXXX XXXX XXXX of {$350.00}, I would like to see prove of ownership with my full name on the bill please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-04-09 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: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dispute Denial by Chase Funds Withheld Despite Not Receiving Service Dear CFPB, I am filing this complaint regarding a recent dispute I submitted to Chase Bank that was wrongfully denied. The purchase was made on XX/XX/2025 in the amount of {$180.00}. The claim reversal was posted on XX/XX/2025. As a result of their decision, my account is now overdrawn, and I have been unable to access my funds or use my card for the past two days. This situation has caused me significant hardship and frustration. 

I paid for a motel room at XXXX XXXX using my Chase debit card. After checking in, I was informed that only one car could be on the property. This information was not disclosed to me at the time of booking. I called my mother and we agreed it would be best to find another place to stay, due to us having two vehicles total. Within minutes, I returned to the motel office to cancel the reservation. 

At that point, the situation escalated with the managers. I was subjected to verbal abuse, which I recorded on video. Despite not using the room or receiving any service, I was denied a refund by the motel. 

I filed a dispute with Chase, explaining that I never received the service I paid for. However, they denied my claim, and even after speaking to a supervisor, it remained denied. I believe this decision was made without properly considering the evidence or the circumstances. 

I am requesting the CFPBs assistance in having this matter reviewed again. I can provide the video and additional details upon request. It is unacceptable that I am being denied access to my own funds due to a service I never received. 

Thank you for your time and help in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: DE

Complaint narrative:
I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit.

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA

( 15 U.S.C. 1681b ). Despite my dispute, the credit bureaus and the creditor
have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-09 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had XXXX late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention.

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 2025-04-09 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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding EXPERIAN XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$570.00} Account name XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX opened XX/XX/XXXX {$1000.00} Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX opened XX/XX/XXXX {$3100.00} written off. 
Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$62.00} Account name XXXXXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX {$1400.00} Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$1000.00} Account name XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX {$4000.00} Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$710.00} Inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX SCREENING REPORTS XXXX Inquired on XX/XX/XXXX, XXXX The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my XXXX credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints # XXXX, which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. 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 explanation