vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: ID

Complaint narrative:
I was with XXXX for a couple months and my experience was not good. I decided to switch to another carrier. About 2 months later, after XXXX deleted my account because all debts were paid, XXXX took {$280.00} as a debt collection. About a month after that, XXXX did the same thing by taking money out of my account with the same cause. I didnt have the money at the time so it was returned. Since then, I have been passed off to about 12-13 different debt collectors requesting I pay. After XXXX took the money out of my account multiple times, I was forced to close the account and no longer have record of the last payment but I have a confirmation code XXXX gave me. I went all of XXXX without any debt notice or anything and now the start of XXXX and all of a sudden its back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made a payment to my credit card company on XX/XX/year> ( XXXX date is XX/XX/year> ), but in doing so I inadvertently selected the wrong bank account from the wrong bank. My bank notified me that I would have a negative balance and I realized the error. The bank declined the payment, as requested by myself. I immediately went on my Citi account, linked the correct account, called Citi and told them the issue, all prior to my due date. They assured me that everything showed in good standing with the payment and there was nothing they could do on their end until the rejected payment showed back up. I checked my account every day from XX/XX/year> until XX/XX/year> on which the rejected payment populated on my account and I immediately payed it. However on XX/XX/year>, my statement showed up and there was an interest charge for missed payment. My statement end date is always the XXXX of the month. So the fact that Citi didn't post my statement till the XXXX shows me they knew there was an issue with my account, something pending. How am I responsible for an interest charge when the Citi system wouldn't let me pay it prior to the XXXX and even when calling in, the customer service rep could not take payment because it never showed as rejected prior to the XXXX on their end. I reached out to customer service and they told me the interest was due to a missed payment and they can't do anything about it, even though the systematic error was on their end resulting in me not being able to rectify the issue prior to XX/XX/year>.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo would not reimburse or chase down a charge on the XXXX platform. 
they did not provide a secure site and a merchant took my funds ( {$100.00} ) and never shipped item. 
Attempted to collect from XXXX and WF but they said they were not liable because I initated the tranaction.

Nor did they follow up to find the banking information of the merchant and get my money.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Breach of Contract American Express Platinum Credit Card Denial Company Name : American Express Application Reference Number : XXXX Complaint Details : I am filing a formal complaint against American Express for breach of contract, deceptive business practices, and financial harm caused by their unlawful denial of my American Express Platinum Credit Card application.

In my original contract, I explicitly stated that my application was to serve as security collateral, and I confirmed that I am in full capacity to contract, being over the age of XXXX. On XX/XX/year>, I spoke with XXXX from the Reconsideration Team, who assured me that he would push my application through for approval. I have a recorded call confirming this assurance. 

However, when I followed up on XXXX XXXX, XXXX ( XXXX ), Account Supervisor, informed me that my application was denied and that she had no control over the approval or what XXXX had promised. 

I have recorded evidence of both XXXX and XXXX statements, confirming the misrepresentation and breach of my agreement. 

The actions of American Express has VIOLATED multiple federal regulations and consumer protections, including : 1. Breach of Contract American Express acknowledged and understood my contractual terms yet failed to uphold them.

2. Deceptive Business Practices Under the Consumer Financial Protection Act, misleading consumers regarding credit approval is illegal.

3. Fraudulent Inducement I applied based on a clear assurance of approval, which influenced my financial decisions.

4. Unjust Denial & Financial Harm The companys denial has caused significant financial damage, requiring immediate rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Spoke to a representative I believe the name was XXXX. Stated I had to mail in documents, in the middle of the conversation regarding my identity theft report, representative went silent and disconnected call. TransUnion sent a letter saying my Identity Theft Report filed through identitytheft.gov wasnt valid proof.

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 2025-02-04 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: CA

Complaint narrative:
pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 They did not properly investigate these accounts listed below.

1581 USC 1681i ( a ) 1 They did not respond within 30 days!! its been XXXX  days I am a victim of identity theft, I have no knowledge of these accounts I seen on my TransUnion, Experian and Equifax Report.I submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX survivor/ Identity Theft Victim. These accounts listed aren't mines XXXX XXXX  ( I never had a credit card in my life ) XXXX XXXX  XXXX XXXX XXXX I never lived in XXXX XXXX I live in XXXXXXXX XXXX. 
I had to come all the way out here to wait at the location until an officer came to do the 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 2025-02-04 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: CA

Complaint narrative:
pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 They did not properly investigate these accounts listed below.

1581 USC 1681i ( a ) 1 They did not respond within 30 days!! its been XXXX  days I am a victim of identity theft, I have no knowledge of these accounts I seen on my TransUnion, Experian and Equifax Report.I submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX survivor/ Identity Theft Victim. These accounts listed aren't mines XXXX XXXX  ( I never had a credit card in my life ) XXXX XXXX  XXXX XXXX XXXX I never lived in XXXX XXXX I live in XXXXXXXX XXXX. 
I had to come all the way out here to wait at the location until an officer came to do the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-02-04 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: CA

Complaint narrative:
I have emailed to Equifax my identity theft form on XX/XX/year>. However, Equifax refuses to remove from my credit report the XXXX XXXX account which I filed the identity theft form. 

Instead, I am being left on hold in addition to being spun around with questions that has nothing to do with my dispute. Told different and inconsistent information all the times.

Consistently lied to on every phone call. This account is to be blocked from my credit report 3 to 4 days after receiving per law. 

Spoke to XXXX of Equifax supervisor employee id number XXXX asked me for my driver license and social security card. This is against the law to ask for someone's information especially when their system has been breached! 

You do not give strangers your drive license or SSN Card this leads to people committing more fraudulent acts to your credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon conducting a recent credit report check, I found information that was 100 % factual yet was unverifiable, invalidated, erroneous, and doubtful. This discovery left me feeling quite dejected.

According to the 15 U.S. Fair Credit Reporting Act, all information in my credit report must be 100 % accurate. 15, and Code 1681e ( b ). Due to the partial truthfulness of their reporting, these accounts are in violation of Code 1681i ( 5 ). Copies of all the letters are attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
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 furnish 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 I 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 2025-02-04 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: CA

Complaint narrative:
Experian, Transunion & Equifax did not properly investigate these accounts listed below and pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 You must properly investigate ir remove these fraudulent accounts lastly its bee 71 days according to 15 USC 1681i ( a ) 1 you are suppose to respond within 30 days which neither bureau nor company has yet to respond. 


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

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 2025-02-05 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: AZ

Complaint narrative:
I have reported being a victim of identity theft, and you are required to remove any items that was opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted.

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 2025-02-04 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-04 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: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts XXXX  Bal {$160000.00}, XXXX  XXXX  XXXX {$160000.00}, XXXX XXXX {$17000.00} XXXX XXXX XXXX {$6400.00}, XXXX XXXX XXXX XXXXXXXX {$1700.00}, XXXX XXXX {$6400.00}, XXXX XXXXXXXX XXXX XXXX {$6200.00}, XXXX  XXXX BANKRUPTCY Bal {$0.00}. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-04 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 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 action for these violations. 
Dates fraudulent activities took place : XX/XX/XXXX - XXXX  bought and sold without my approval - {$3000.00} XX/XX/XXXX - Fraudulent payment - {$120.00} XXXX XXXX, XXXX - Fraudulent payment - {$250.00} XX/XX/XXXX - Fraudulent payment - {$72.00} I immediately asked for a refund from these fraudulent scams and told Cash App ( Block , Inc. ) to cancel the transactions. The dispute process was counterproductive and allowed the scammers to steal my money.

Company response to consumer: Closed with explanation