vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/year>, I disputed a charge of {$980.00} on my Discover credit card related to a scam for which I made a police report and a complaint to XXXX. On XX/XX/year>, I logged onto Discover and saw that they had found the transaction valid for which I have yet to be sent any communications about this decision. On XX/XX/year>, I called and spoke to a rep who initially stated that they were unable to contact the business. Then, the rep changed his story and said that they received confirmation from the business that this was a valid purchase. However, the XXXX  could not pursue the complaint because the business is " believed to be out of business, has filed for bankruptcy, or can not be located. '' Therefore, I do not think Discover ever made contact with the business or confirmed the purchase. The rep provided me with the number and address of the business that scammed me, which did not align with the number on XXXX  or the number I gave them. The " business '' is a scam and I have yet to be able to contact them since the scam occurred. So I called Discover again on XX/XX/year> and spoke to a supervisor. The supervisor said I had to have something in writing to prove that the purchase was not what I agreed on. I provided Discover with the receipt I received, with an unauthorized amount. I'm not sure how I can " prove '' in writing what was never given to me. The business in question is called XXXX XXXX XXXX. The number that I called for their services was XXXX. I simply was locked out of my house and thought I was calling a locksmith. The locksmith who arrived did not inform me of the price prior to the service. After the service, he charged me {$820.00}. I questioned the amount but he demanded to be paid. I did not know what else to do than pay the man. Once I received the receipt, I realized he charged {$980.00} by giving himself a {$120.00} tip, which I did not authorize. I then promptly called the original number back and was told that someone would contact me about my complaint and never received any communications from the business again. The website was taken down as well. He was not a locksmith, he damaged my door and took my money. The entire thing was a scam. Now, Discover is siding with the alleged business and refuses to charge back my money or appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
This is the XXXX complaint I filed this month.CFPB Complaint number XXXX for XXXX replied saying XXXX XXXX received and reviewed the complaint initiated by XXXX XXXX XXXX XXXX XXXX was unable to locate an account or transaction for XXXX based on the information provided. In order to continue to look into this matter further, XXXX XXXX kindly requests I provide the account number of the account in question. And if I have any further questions regarding their response, XXXX Customer Service Supervisor, XXXX, directly at XXXX. I continue to recieve voicemails and no return call from easypay. In my XXXX previous complaints I stated that I disputed this with the company XXXX many of times and with the XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL XXXX CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$3800.00} BALANCE. I've been reaching out to all XXXX  credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : XXXX. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. XXXX. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. XXXX. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. XXXX. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
This is the XXXX complaint I filed this month.CFPB Complaint number XXXX for XXXX replied saying XXXX XXXX received and reviewed the complaint initiated by XXXX XXXX XXXX XXXX XXXX was unable to locate an account or transaction for XXXX based on the information provided. In order to continue to look into this matter further, XXXX XXXX kindly requests I provide the account number of the account in question. And if I have any further questions regarding their response, contact Customer Service Supervisor, XXXX, directly at XXXX. I continue to recieve voicemails and no return call from easypay. In my XXXX previous complaints I stated that I disputed this with the company XXXX many of times and with the XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL XXXX CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$3800.00} BALANCE. I've been reaching out to all XXXX credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : XXXX. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. XXXX. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. XXXX. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. XXXX. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash APP- I had my bank card linked to the app along with my bank account information. While I was out having dinner with my kids at a restaurant. I received a notification from cash app that a transaction just took place on my account for XXXX in the amount of XXXX XXXX 

I contacted Cash app right away to let them know that I did not make the purchase, I also contacted XXXX and my bank. XXXX could not find the transaction since the purchase was not made on my XXXX Account. I contacted my bank and had to cancel my debit card and I was issued a new debit card. 

Cash App said that he did a short investigation and since I used my account in the past ( years ago ) on XXXX that they are assuming that the current transaction was mine. This has been an ongoing nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXX  XXXX - XXXX - {$30000.00} XXXX XXXX XXXX - XXXX - {$13000.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.

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 2025-02-20 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-20 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts listed. Please remove these accounts from my report as this incident is negatively impacting my ability to support my family. Please be advised that I do not have any knowledge of this account, and I did not authorize any transactions associated with it. I have never opened or applied for credit with your company, and I do not owe any debt to your organization.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am seeking your assistance regarding an issue with Coinbase that has resulted in my funds being effectively frozen without clear justification. 

In XXXX, I took out XXXX personal loans : {$25000.00} from XXXX XXXX XXXX XXXX and {$25000.00} from XXXX XXXX XXXX, with the intention of investing in cryptocurrency on Coinbase. Below is a breakdown of my deposits : XX/XX/year> : Deposited {$20000.00} from my XXXX XXXX account. 
XX/XX/year> : Deposited an additional {$1000.00} from the same XXXX XXXX account. 
XX/XX/year> : Deposited {$15000.00} from my XXXX account. 

In total, I deposited approximately {$36000.00} into Coinbase. 

About XXXX weeks later, Coinbase notified me that they had detected suspicious activity and restricted my account. I followed all required steps multiple times to have my account unrestricted, but Coinbase repeatedly denied my requests without providing a clear explanation. After my fifth attempt to resolve the issue, Coinbase escalated matters by locking my account entirely. To regain access, I was required to verify my identity with a passport, which I did, and my account was unlocked within XXXX hours. 

However, every time I attempt to unrestrict my account, I am told to wait XXXX days for an email response. In some cases, I receive an email stating that my account will remain restricted due to suspicious activity, while other times, I receive no response at all. 

Trying to be proactive, I removed my old payment methods and attempted to add a new one, thinking this might resolve any security concerns. Unfortunately, I was unable to add a new payment method, and I am now completely unable to withdraw, buy, sell, or transfer my assets. Coinbase is essentially holding my funds XXXX, with no clear resolution in sight. 

I fear that Coinbases delays and lack of communication may be a tactic to lock me out of my account indefinitely. If I were to lose access to my two-factor authentication, I may never be able to retrieve my funds. 

I am requesting your intervention to compel Coinbase to provide a legitimate explanation for their actions and to restore access to my account so that I can withdraw my funds. I have attached my bank statements as evidence of my transactions. 

Please let me know how I can proceed or if additional information is needed. 

XXXX XXXX XXXX XXXX ( email attached to coinbase )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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: IA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$8800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} MT XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX XXXX {$630.00} XXXX XXXX {$900.00} XXXX XXXX {$150.00} XXXX XXXX {$850.00} XXXX XXXX {$910.00} XXXX {$310.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  {$25.00}

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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

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 2025-02-20 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: CBC Companies, Inc.
State: DC

Complaint narrative:
I am disputing inaccurate student loans on my credit report with Innovis under FCRA Section 605 ( b ). These loans were reported inaccurately, and I am requesting that Innovis investigate and block this information from my credit report. Under Section 605 ( b ), Innovis is required to remove or block any information that is inaccurate or can not be verified. I am seeking the immediate removal or blocking of these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax/Transunion for failing to properly investigate and remove inaccurate information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I disputed the following accounts as inaccurate, unverifiable, and/or not belonging to me : Disputed Accounts : Creditors Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These account does not belong to me/ is inaccurate/ has no supporting documentation. 

Credit bureau failed to properly verify the validity of this account. 
I formally disputed these accounts on XX/XX/25, and the credit bureau responded by merely adding a remark instead of deleting the account as required by law. They failed to provide documentation proving the validity of these accounts.

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 2025-02-20 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts listed. Please remove these accounts from my report as this incident is negatively impacting my ability to support my family. I did not authorize any transactions associated with it. I have never opened or applied for credit with this company, and I do not owe any debt to your organization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I received a signed Satisfaction of Judgment from XXXX XXXX XXXX case number : XXXX stating the collection for Account No XXXX at XXXX XXXX  had been satisfied. This document was signed by the creditor ( XXXX ) XXXX XXXX and the XXXX XXXX XXXX XXXX. Yet, Collections USA Inc. is still requesting further payment of a legally confirmed closed debt account. This inaccuracy is still on my credit report though it was confirmed satisfied by the XXXX XXXX XXXX Arizona in XXXX XXXX in XXXX of XXXX, now two years ago. So, why is on multiple occasions, the most recent being XX/XX/XXXX, that I have yet to see this inaccuracy remove from my report with XXXX, XXXX, and XXXX, and I am still receiving email correspondence for payment of a closed debt. According to 15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ) ; and 15 U.S.C. 1681 EB is a section of the Fair Credit Reporting Act ( FCRA ) these actions and inaccuracies are against the law. If not corrected within 30 days of recipt of this dispute I will inform my attorney to move forward with the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NH

Complaint narrative:
Sallie Mae has refused to recognize a 100 % XXXXXXXX XXXX  who is co-signer to fully discharge student loan when Federal Government supports the action. I am co-signer for my XXXX XXXX and have difficulty making payments. I was forced to retire due a XXXX diagnosis possibly from XXXX XXXX I am currently unable to work. I have tried working with Sallie Mae and they have been very uncooperative and at times disrespectful. 
There are 5 loans totaling {$210000.00} as of XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation