vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$2300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXXXXXX  inquiries XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This is the second complaint I have had to file against Capital One because they have refused to send me a replacement card for my expired card. As a person who is hard of hearing I have a hard time understanding their customer service as it is outsourced. 
I will be with holding my monthly payment until I receive my replacement card for my expired card. I will also be contacting a lawyer since the have violated my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
in XXXX  I got divorce from my ex spouse in the court order I was awarded fully ownership of the property since then I have file the quit claim deed removing ex spouse I also applied and was approved for a loan modification solely on my income and approved on my own. since then my mortgage was sold to fayservicing and they started reporting my ex-spouse on my mortgage again. I tried several times and spoke with several people to info them of this reporting error and that I am the sole owner of said property I have all documents stating this. such as the quit claim deed, title divorce decree and modification paper work removing ex spouce

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
Im disputing the accuracy from of the payment date of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Missing information is not complete and accurate. Theres also a charge off for XX/XX/XXXXXXXX  and another charge off for XX/XX/XXXX. This is illegal and inappropriate behavior for you as the reporting agency to count this as verified. This is illegal Re aging. I cant charge an account off every month. Prove to me that this is accurate. You keep saying verified but you cant prove this. You are breaking the law XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
Im disputing the accuracy from of the payment date of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Missing information is not complete and accurate. Theres also a charge off for XX/XX/XXXXXXXX  and another charge off for XX/XX/XXXX. This is illegal and inappropriate behavior for you as the reporting agency to count this as verified. This is illegal Re aging. I cant charge an account off every month. Prove to me that this is accurate. You keep saying verified but you cant prove this. You are breaking the law XXXX {$2400.00}

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I closed my account over a year ago. I've had no communication or bill sent to me until XXXX when another CC Company sent me an alert that there was a delinquent payment..I went to Credit wise and immediately discovered it was XXXX XXXX XXXX XXXX saying I was late on the membership fee for XXXX dollars. I called XXXX XXXX on XX/XX/XXXX. the gentleman removed the monies owed and apparently closed the account again. I told him I wanted it fixed on my Credit report, he assured me it would be, it also stated all calls are recorded, I filed a complaint with XXXX on XX/XX/XXXX... again I called XXXX XXXX because I pulled my 3 reports and it was still showing. a late payment. the woman told me I would have dispute it with the Credit bureaus ... I told her I already did that but that doesn't solve the issue I need for XXXX  XXXX to remove it as it was their fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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, Engelhardt V. Gravens ( mo ) XXXX XXXX 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 2025-03-19 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 explanation
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to Experian and you all. This problem have not been resolved at all! My score have not generated online nor the app in over a year! I've been told I don't have any accounts that's reporting to EXPERIAN which is a lie!! I've provided my identification and social many times. At least my personal information should be updated on my consumer report if nothing else. I need my report updated reflecting the accounts I have and my personal 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 2025-03-19 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I received {$27000.00} in back XXXX  at the end of XXXX on my XXXX  Way2go card issued by XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX there have been {$11000.00} worth of purchases made fraudulently by XXXX people that I know. When I realized these charges on XX/XX/XXXX I immediately called and canceled the card, made a police report at my local sheriffs department. I have tried to contact the card issuer and see if I can recover the stolen money, I am XXXX XXXX XXXX I do not make any purchases online, these people have made online payments to accounts that are in their name, as well as purchasing {$1600.00} worth of charges at an online casino. I can not talk to a human being at any of the phone numbers I have found for the Way2go card or XXXX XXXX. On my statement it says Im FDIC insured, it also says they may contact me if any concerning purchases appear on my card, they never contacted me when the thieves were stealing my {$11000.00}. I had not used the card at all from XX/XX/XXXX through XX/XX/XXXX, on XX/XX/XXXX by balance was {$13000.00} and on XX/XX/XXXX it was {$20.00}. Please I need to speak to someone at the card issuer to try to recover this stolen money. Any help is greatly appreciated. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CBC Companies, Inc.
State: OH

Complaint narrative:
It's been a daily breach information been illegally exposed and shared with the wrong credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing this complaint against Citibank for unjustly closing my high-yield savings account and refusing to return my funds. Despite multiple attempts to resolve this issue with Citibank, including contacting their fraud department and sending a formal letter, my funds remain unlawfully withheld. 

Details of the Issue : I opened a high-yield savings account with Citibank and had direct deposits from my employer made into this account.

I never withdrew any funds, conducted transactions, or used the ATM card provided. 
When I attempted to check my balance, I was blocked from accessing my account and was referred to Citibanks fraud department. 

Citibank closed my account, citing fraudulent activity, but provided no evidence or justification for this action. 

The total amount in my account at the time of closure was approximately {$600.00}, which Citibank has refused to return. 

I have attempted to resolve this matter by contacting Citibank multiple times and sending a formal written request, but I have received no response.

Relief Sought : I am requesting that Citibank immediately return the full balance of my account, as there was no fraudulent activity on my part. Additionally, I would like Citibank to provide a written explanation of why my account was closed and why my funds were withheld.

Attempts to Resolve the Issue : I contacted Citibanks customer service and fraud department but received no resolution.

I sent a formal demand letter requesting the return of my funds, which Citibank ignored. 
It has been almost 2 years since my account was closed, and Citibank has failed to return my money or provide any legitimate reasoning for their actions. 

I believe Citibanks actions are unfair and deceptive, and I am seeking the CFPBs assistance in getting my funds returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I called American Express customer service for an explanation about why my APR is 28.99 % when I have a XXXX credit rating, have not missed a payment, and have a substantial household income. I was told there was no person nor any office at Amex who could give me this explanation. Furthermore, yesterday, XX/XX/XXXX, the agent said she reduced the APR to 26 % ; today 's agent ( 3/19 ) said that the APR had not been reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 recently reviewed my report and noticed fraudulent account. Please remove it from my report, as that are hurting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I request an immediate removal of that account.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-19 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-19 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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