vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are Picture I.D, a bill, and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt final rule 1002.142 ( b ) ( 4 ) -5 -- 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, Pursuant to section 605C of the Fair Credit Report Act. i have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. i have provided all needed documentation as well as a victim Determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
Money was taken from my cash app and it was never resolved and there was no access to a live agent to discuss the matter I had to email them. And my private information was leaked in a data breach and I kept getting money request from international numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Okay I'm on the XXXX of XXXX I opened account at Charles Schwab Bank I deposited my XXXX check for {$1300.00} and they told me it would be available on the XXXX I received my debit card on the Monday I don't remember what date that was but it was XXXX last week I believe it was the third I that I received my debit card and the money showed on my account and everything on the XXXX I tried using my the card and it wasn't working so I called the place and they said I needed to go down to the branch and present my ID to verify my identification I did that the following day and my account is still locked in another review I've made numerous calls to the company they sent numerous emails to the department that has to hold on it and still nothing my phone bill is getting turned off I have needs to argument I need to pay stuff I need to buy food to eat and if this is the case why would they tell me the money would be available on XXXX I mean it showed in my account and everything on this but then on the XXXX day restricted and they still don't give me no time frame or nothing to win they're going to get to my problem to unlock it I mean I thought this was a good bank internet if they was going to do all this or I'll just put my money in a different account for the bank I'm very frustrated right now my phone is going to get turned out today I have no food no money or nothing and they have the money and they're playing games with what I'm just supposed to sit back and wait for them to do whatever they got to do to whenever they want to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts reported on my credit file. Upon reviewing my credit report, I identified multiple discrepancies that raise significant concerns regarding the legitimacy of these accounts and the manner in which my personal information was used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts reported on my credit file. Upon reviewing my credit report, I identified multiple discrepancies that raise significant concerns regarding the legitimacy of these accounts and the manner in which my personal information was used.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Experian, XXXX, and XXXX Data Breaches Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the Experian XXXX Data Breach and the XXXXXXXX XXXX XXXX XXXXXXXX, which have resulted in my personal information being leaked onto the dark web and shared with unauthorized parties. I am extremely concerned about the security of my personal and financial data, as these breaches have put me at significant risk for identity theft and financial fraud. 

Additionally, I would like to express my concerns regarding XXXX settlement with the Department of Justice in XXXX XXXX. Given the recent security failures of major credit reporting agencies, I am requesting that the CFPB take further action to investigate their handling of consumer data and ensure stronger protections for affected individuals like myself. 

I demand that Experian, XXXX XXXX XXXX  be held accountable for these breaches and that they provide clear, immediate steps to mitigate the damage caused to consumers. Furthermore, I request assistance from the CFPB in understanding what measures I can take to protect my personal information and prevent further harm. 

Please confirm receipt of this complaint and provide me with any updates regarding potential actions taken. I appreciate your time and urgent attention to this serious 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
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i have a navy federal business account they have been transferring money from my savings account to my checking account without my consent. on XX/XX/year>, navy federal transferred XXXX from my savings account to my checking account. i called and asked what was the transfer for and explained to them that o had not made a transfer for that amount. when i asked for my information on why the transfer was made two representatives told me the system did the transaction but could not tell mee what it was for. When i asked to speak to Manager the representative told mee she was reading off a script and could not tell why my money was transferred to from out of my account. When i called back i was told that the transfer was used to cover transactions but they could not tell me what trransaction ot covered. my accountis now missing XXXX tthat they can not explain where it went.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete, including incorrect account details, incorrect late payments, or other missing information. 

This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 

I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

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 2025-02-08 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:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete, including incorrect account details, incorrect late payments, or other missing information. 

This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 

I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 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 2025-02-08 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-02-08 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have names address another account on my credit Ive been trying to to dispute they either put them off for months or just deny my dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check into my checking account. 

After 2 days they released partial funds. After going to use my account there was a block placed on the account. 

Upon calling they placed a fraud alert ointo the acocunt for the check that was deposited. 
I Spent over an hour verifying the check deposit, and all information to release the hold and unblock my account. 30 minutes after getting the hold releaseed the bank then closed my bank acocunt and are holding all the funds. 
They placed another fraud alert fo the check, after i had verified with them all the check information to prove its legitimacy. 

The bank refuses to release m, y funds or remove the hold. Ive verified the check, the customer, and they are able to contact the customer to ensure tghe legitimicy of the check anbd refuse to do so and release my funds. They are now closiing my accounbt and tell me i must wait 60 days for the closdure to access the funds, they will not let me speak to a supervisor rewgarding this matter.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Self Financial Inc.
State: FL

Complaint narrative:
Self financial had a breach of security to where my personal information has been released to the dark web. I was never notified and they locked my card without reissue of a new one. Thus company continued to draft monthly payments from my checking account. I have been under to use this card to assists in my credit building due to thier actions. I called and spoke to a representative who was automated. Which did not fix the problem. I spoke to three live representatives and they mislead me in telling me my card was not locked when it was. Can someone please help. My personal information has been exposed due to thirr data breach which they inevertanlly locked my card secretly and did not notify me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete, including incorrect account details, incorrect late payments, or other missing information. 

This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 

I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

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 2025-02-08 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-02-08 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: EQUIFAX, INC.
State: DE

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-02-08 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that Ive been a victim of identity theft. This is hurting my ability to purchase a home for my family. Please remove the fraudulent account for my credit report. Thank you.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. this has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX ( XXXX ) acct # XXXX {$700.00}

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 2025-02-08 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. this has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX ( XXXX ) acct # XXXX {$700.00}

Company response to consumer: Closed with non-monetary relief