vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase shut me out of my account and demanded a selfie ID so I could restore access. At first, I was reluctant, because I had verified my identification many times before. Eventually, however, I provided the selfie ID following their instructions to the letter. Still, they refuse to hold their end of the bargain and are giving me the run around with bot-generated e-mails. This has gone on for 3 or 4 months and I have all the e-mails available for review. I believed from the beginning that coinbase staff had stolen my cryptocurrency assets, and based on how theyve refused to give me access to my account, I see confirmation of my suspicions. Coinbase has defrauded me and stolen my crypto assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
Hello, I am submitting this complaint because I recently disputed a collections account on my credit report with Equifax, XXXX, and Equifax via their online dispute system. Despite providing detailed documentation to support my claim that the account is inaccurate/unverifiable, my dispute was not accepted, and no corrective action has been taken on my credit report. 

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are not being fully respected. I have followed the proper procedures and provided all requested supporting information, yet the outcome of the dispute remains unsatisfactory. I am seeking assistance from the CFPB to ensure that the credit bureau complies with FCRA requirements and that my dispute is properly investigated and resolved. 

Please let me know if further documentation or clarification is needed. I appreciate your help in this matter and look forward to your guidance on the next steps. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I am writing to formally submit a complaint regarding the breach of my personal information due to Cash Apps or Block data security incident I was recently made aware that my sensitive data was compromised due to the breach which I believe constitutes a violation of my privacy and financial security. 

as a Cash App user I entrusted your platform with my personal and financial information expecting that appropriate security measures would be in place to protect me and my data. However, due to the breach my information like my Social Security number, date of birth, My name and account number and all financial details was exposed without my consent due to Cash Apps negligence. 

As a direct result of this I have suffered fraudulent transactions identity theft emotional distress time spent trying to address the matter with no one to call financial loss in a significant breach of trust in the Cash App ability to protect its users. 

I am requesting the following actions to be taken to address this matter Full detail of whom came into contact with my personal information hello **** and the steps that cash app has taken to mitigate harm. financial compensation for the damages I have suffered due to this and the damage the financial compensation on all of the money that was paid without my knowledge and me not being able to do a reversal or speak to somebody or get a hold of the company. 

Please consider this letter as a part of my formal complaint for in conclusion in the Cash App data breach lawsuit I expect a response regarding my concerns and the steps you are willing to take to resolve this matter Should I not receive a satisfactory resolution I will consider further legal action. Thank you for your time and your attention to this serious matter I look forward to hearing from you promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Incorrect and Unverified Debt Reported by Experian Dear Sir/Madam, I am writing to formally file a complaint against Experian for reporting inaccurate and unverified debt related to a XXXX collection on my credit report. After thoroughly reviewing my credit report, I have identified that Experian has listed a collection account for XXXX, which is both false and not properly verified. 

Specifically, the account in question is reported under the following details : Creditor : XXXX Amount : {$2900.00} I have disputed this information directly with Experian and XXXX. This debt is not valid and has not been verified in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, Experian has failed to remove or correct the entry, continuing to report false information that negatively affects my creditworthiness. 

Under the FCRA, credit reporting agencies are required to report accurate information and verify any debts they list. As of now, this account remains inaccurately reported, and I request your assistance in ensuring that Experian complies with the regulations governing fair credit reporting. 

To support my claim, I have attached copies of the following : A copy of my current credit report from Experian showing the XXXX collection. 
Correspondence I have sent to Experian regarding this issue. 
Any other relevant documentation or evidence that supports my dispute. 
I kindly request that the CFPB intervene in this matter to ensure Experian complies with the FCRA by conducting a proper investigation into this unverified debt and removing any false entries from my credit report. I would appreciate any assistance the CFPB can offer in resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your timely response and any further instructions on how to proceed with this complaint. 

Sincerely, XXXX XXXX XX/XX/year> Last 4 : 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 2025-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
My complaint is for the XXXX company. I was charged for XXXX XXXX merchandise that was fraudulent listed on their website. There was several complaints I googled online for the company XXXX that doesnt exist. I called several times XXXX and they did the investigation until I stopped paying my loans. I filed a complaint a complaint with Experian with a detailed letter dated XX/XX/year>. I sent pics of false advertising, charges and complaints from other consumers. Experian sided in favor of XXXX. I was extremely upset as I provided every piece of documentation you could ask.I covered every point to show proof. XXXX did a poor job researching this matter as well as Experian. I ended up having 10 accounts as closed in collections with XXXX. I was an excellent customer until I was scammed and not the first time. I gave up with Experian as they should be doing a deep dive of investigation and never provided proof of their investigation on how they determined my complaint was not accurate. My credit suffered from this after struggling to repair it slowly and can be verified. I just purchased a new car and got hit with 15 % interest rate and prior loan from XXXX was 4 %. I paid the price due to poor service from XXXX and credit bureau who should be helping consumers. I dont trust they reviewed any of my documentation and the picture of advertise products was proof alone and other consumer complaint at I provided I still have all this saved if needed as proof including the detailed letter.I hope they you can assist me in resolving this matter as this is my last hope and someone suggested filing this complaint. 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 2025-02-07 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: TX

Complaint narrative:
XXXX XXXX The companies listed have requested that the accounts be removed from my credit report, but each reporting agency has not. I am requesting that they remove the accounts and block their accounts from my credit report today. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
XXXX XXXX The companies listed have requested that the accounts be removed from my credit report, but each reporting agency has not. I am requesting that they remove the accounts and block their accounts from my credit report today. 

XXXX XXXX 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
There so many times and dates I really just want complain and have someone look into chimes. Like today XX/XX/year>. I suppose received a refund from merchant for XXXX the merchant sent chime the refund and the letter to accept refund. One chime customer service said he see the refund will be issue today well 6 hours pass call chime again next rep said it takes 5 to 7 days don't understand that, then another chime rep said they didn't see anything it was mentally stressing me out. When you call chimes customer service is never on the same page half of them don't even know what there doing it's frustrating this my money we talking about and Chimes have repa that have no options to do nothing. Chimes false advertise. Get chimes checking and get XXXX spot me I been having chimes for atleast XXXX years with direct deposit and just made it to XXXX $ so confused on that. We make choice I made choice to buy my money in chime now I regret it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
This account was already paid as agreed and agreed to close the account and remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Equifax for failing to properly investigate disputes and remove inaccurate information from my credit report, in violation of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 

I have sent multiple letters to XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX disputing errors on my credit report, but despite following the required dispute process under the Fair Credit Reporting Act, Equifax has failed to properly investigate the issues and update or correct my credit report. 

In some cases, the inaccurate information has been reinserted after being disputed. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for DATA BREACHES and failure to address errors on consumers ' credit reports. 

The CFPB 's lawsuit alleges that Equifax practices threaten consumers access to credit, employment, and housing. This situation closely mirrors my experience, I'm homeless right now because no housing will accept me, and I feel that Equifax failure to act in compliance with federal law has negatively impacted my credit and financial well-being. i honestly feel like killing myself because they don't comply with federal law there not fair and they damage my character. 

THIS COMPANY IS UPDATING CLOSED ACCOUNTS EVERY MONTH THEY UPDATE THESE ACCOUNTS TO BACK UP THE STATUE OF LIMITATION DATE SO THEY DONT HAVE TO REMOVE THE ACCOUNTS THEY REFUSE TO REMOVE ACCOUNTS THAT PAST THE STATE STATUE OF LIMITATIONS AND ACCOUNTS THAT ARE NOT COMPLIENT I request that the CFPB assist me in resolving this issue by ensuring XXXX properly investigates my disputes, removes any inaccurate or outdated information, and complies with all provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this formal complaint against JPMorgan Chase Bank concerning the abrupt and unjustified closure of my Chase XXXX XXXX account. As a high-net-worth individual, actively involved in several businesses, and a loyal Chase customer for nearly a decade with an impeccable payment history, I find Chases actions both unprofessional and deeply concerning. 

I received a vague letter from Chase stating that my account was closed due to " inappropriate behavior, '' with no specific explanation. After numerous unreturned calls and six unanswered voicemails, I was finally informed by an unhelpful representative that the closure was allegedly due to disputes I had filed over the past 12 months. These disputes, fewer than 15, were all legitimate and ruled in my favor. Labeling valid, consumer-protected disputes as " inappropriate behavior '' is not only misleading but also undermines the fundamental principles of consumer rights. 

This sudden closure caused significant inconvenience, particularly as some of my authorized cardholders were left stranded internationally without access to credit. Chase failed to provide any prior notice or an opportunity to address the issue before terminating my account, which is unacceptable for any financial institution, especially one promoting elite, premium services. 

I am seeking the following resolutions : Immediate review of my account closure and reinstatement if appropriate. 

A pro-rated refund of the annual fee for the unused portion of the calendar year. 

Compensation for the inconvenience and financial disruption caused. 

A review of Chases dispute-handling policies to prevent such arbitrary actions in the future. 

I trust that your organization will investigate this matter thoroughly to ensure that Chase is held accountable for its unfair practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$62.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$3600.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$250.00} Date Opened XX/XX/XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2025-02-07 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:
Im am filing a complaint against Cash app ( Block , Inc ), due to inadequate customer service and unfair practices which violates consumer financial protection act ( CFPA ). specifically Cash App failed to take timely and effective measurements to prevent and address fraud on their platform, leaving my account unprotected, and vulnerable. furthermore, their resolution dispute 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 2025-02-07 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: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XX/XX/XXXX {$810.00} XXXX XXXX XXXX XX/XX/XXXX {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-07 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: IL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts as well as addresses on my report. I have made a list of the inaccurate accounts I will like to remove. I am in the process of starting a new business and this is slowing the process down of getting funding. The account is XXXX XXXX XXXX -- XXXX. I need this removed ASAP.

Company response to consumer: Closed with non-monetary relief