vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> someone was able to get onto my cashapp account and move money around my account and able to send money to another account. they sent money to a " XXXX '' as it appears on the statement but the name changed multiple times between XXXX and XXXX. In XXXX whenever saw the transactions there was a different name. When i tried to report the charges to Cashapp the accounts name had changed to " XXXX XXXX '' then it changed to " XXXX '' at the time the statement was created. This person sent money to the account on 7 occations ranging from $ XXXX {$15.00}. I reported all of these transactions to cashapp and they investigated. they began sending the payments back and refunding the money as fradulent. after the 3rd repayment they said that the rest of the transactions were not fraud and that i had violated their terms and conditions. I have chated multiple times to ask why this had happened and why my account had been closed and the person on the chat always says they dont have access to that information. In XXXX i tried to appeal the account closure but after it was reviewed they still have the account closed. they only thing anyone can say is that its closed because i " violated terms and conditions '' and they send me this huge terms and conditions of cashapp pdf. they can not tell me how or when or what caused the terms violation. I am still owed 4 payments from when the money was sent to a fradulent. They repayed 3 of those but left the rest and said i violated the terms and conditions. How can they determine 3 of them to be fradulent but the rest not fradulent? that makes no sense. the money was all sent to the same person and they deemed it fradulent on the first transactions but said the rest wasnt fradulent. Its very obvious this account was fradulent as the name changed multiple times in a month. Attached is a copy of the statement with the fradulent charges on it from XX/XX/XXXX. I have screenshots of the conversations ive had with cashapp but i can not get them to upload to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 USC Code 1681eb. 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. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
This is my second complaint about the XXXX dollars on my cc statement it was supposed to only be XXXX but I got ripped off I am looking to get reimbursed the XXXX not the XXXX I have been explaining this with 3 different letters now on what happened in XXXX they wrote a letter telling me they can't help me and today I received a letter that they will credit this card XXXX omg what's so hard to understand? It was supposed to be XXXX but vendor changed that amount to XXXX it's fraudelent and a rip off but cc company doesn't get 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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a victim of identity fraud where an unknown person did a SIM swap with my old phone number that has been compromised, using it to gain access to my bank accounts to make money transfers as well as gaining access to other personal information such as my DMV account, driver 's license, social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NE

Complaint narrative:
This CFPB report is is being filed to request pursuant to FCRA that all 3 credit agencies block and remove all fraudulent accounts on my consumer fico report in 4 business days.These incorrect accounts are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theses accounts resulted in hard inquiries, collections appearing on my consumer fico. I am including my Identity theft report as well. Under my rights within the FCRA rights I am asking to have these remove along with all hard inquiries. 

Please remove from all 3 credit reporting agencies in 4 business days.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
hard inquiry from XXXX XXXX in XXXX of XXXX did not authorize, address is not real or correct. called in XX/XX/year> to have removed. was told needed paperwork from XXXX. called XXXX and was informed that said information is NOT in their system. can't send paperwork for non-existing account. TransUnion has refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
hard inquiry from XXXX XXXX in XXXX of XXXX did not authorize, address is not real or correct. called in XX/XX/year> to have removed. was told needed paperwork from XXXX. called XXXX and was informed that said information is NOT in their system. can't send paperwork for non-existing account. TransUnion has refused to remove.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
The XXXX app to manage my XXXX XXXX does not update payment accounts from the same bank leading to declined credit card payments and putting the consumer in an endless cycle of updating accounts to declined payments to being charged interest fees and balance continuously growing. I reside in a building that partners with the XXXX XXXX by Wells Fargo to be the *only* credit card that does not charge a 4 % fee to be used on rent payments. I bank with XXXX XXXX. My primary checking account was compromised and I worked with XXXX  to open a new checking account. I have followed the XXXX app over 5 times to link to my new XXXX  account. When submitting payment or viewing account management, the XXXX app *never* displays *any* account numbers to verify the account being used. For example XXXX  XXXX is all you see on any screen. When linking the new checking account the XXXX apps built in process says the new checking account is already linked. When the consumer then goes to pay the XXXX app still pays from the XXXX account with no warning to the consumer. This begins the endless cycle. Wells Fargo does not electronically notify the user via XXXX or any means such text, email, or phone call that the payment failed. Instead they send a letter. Wells Fargo does not give notice for an opportunity for someone with a job that requires frequent travel to fix their payment issue and the XXXX app also does not send notification of the payment issue. Once the consumer recognizes the payment issue, identifies the endless feedback loop in the XXXX app IT failure, then they can begin to work directly with Wells Fargo. It takes almost a week after the last failed payment for the Wells Fargo website to allow balance to be paid the credit after interest has accrued and all negative factors with a credit card bill going weeks without being paid. This failure is solely due to flawed design of the XXXX app hiding all information from the consumer to show which account is paying and for Wells Fargo to not ensure timely updates from the XXXX accounts to allow faster direct payments. The XXXX credit card app jeopardizes consumer financial health while purposely making paying from other cards more expensive for necessities such as rent.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure Equifax complies with the necessary proof of investigation. 

XXXX  XXXX Account number : XXXX Balance : {$110.00} Date : XXXX XXXX  XXXX Account number : XXXX Balance : {$84.00} Date : XXXX XXXX  XXXX XXXX Account number : XXXX Balance : {$1400.00} Date : XXXX XXXX and XXXX Account number : XXXX Balance : {$130.00} Date : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date : XXXX XXXX XXXX XXXX number : XXXX Date : XXXX Balance : {$7400.00}

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure Equifax complies with the necessary proof of investigation. 

XXXX  XXXX Account number : XXXX Balance : {$110.00} Date : XXXX XXXX  XXXX Account number : XXXX Balance : {$84.00} Date : XXXX XXXX  XXXX XXXX Account number : XXXX Balance : {$1400.00} Date : XXXX XXXX and XXXX Account number : XXXX Balance : {$130.00} Date : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date : XXXX XXXX XXXX XXXX number : XXXX Date : XXXX Balance : {$7400.00}

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I demand for these items be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Lowes synchrony bank credit card. this is affecting me from moving on with my life with buying cars and houses and is not letting my credit score go up. this information is old and these accounts are wrote off as a loss and I demand that these be removed.

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 2025-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
I called on XXXX to get the total of what I paid ; I was told what I had paid and discussed what was still due. At that time, I only had three payments left. 2 normal and one for less. 

I called XXXX today to get a reminder to make the final payment and was told that an additional {$270.00} was added to my balance, which was not part of the previous agreement via a court date held in XXXX. 

I let them know that I was not responsible for the debt as XXXX is responsible for that debt, and she said, " Well, you are the parent, so you have to pay it. I told XXXX that I did not think this was legal since I was never contacted, and she said we sent it to XXXX. 

I am not sure this is not my bill to pay, I requested paperwork be sent to me and then emailed them letting them know the below. 


" Hello~ I spoke to XXXX this morning, and she informed me that a debt was added to my bill, It's illegal for a collection agency to add fees to your debt without your permission. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair debt collection practices. 

Let me explain. 
Collection agencies can only add fees to your debt if they are authorized by the original contract or permitted by law. -- This was not the case! 
The original contract is the one you signed with the original creditor. - I didn't! 
Collection agencies can't add fees without a court judgment. - You did! 
Collection agencies can add reasonable charges if you agree to pay " collection costs. " - I didn't! 
Deceptive practices to collect a debt are illegal. When I called on XXXX, I was not informed that this amount had been added ; I was never called, emailed, or mailed a letter about this added amount. 

The FDCPA prohibits debt collection agencies from collecting interest, fees, charges, or expenses on debt unless the amount is expressly authorized by the agreement creating the debt or permitted by law. - This added debt was not! 

I will be filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), or our state attorney general 's office. 

Thank you XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There is inaccurate addresses being reported on my credit report. Under 15 U.S.Code 1681 i, I am entitled to accurate and verifiable information on my credit report.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is inaccurate addresses being reported on my credit report. Under 15 U.S.Code 1681 i, I am entitled to accurate and verifiable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-02-03 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: CA

Complaint narrative:
I previously submitted a formal dispute regarding an unauthorized credit inquiry that appeared on my TransUnion credit report. The details of the disputed inquiry are as follow XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-02-03 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: IL

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation