vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
i have purchased virtuals token, " XXXX  '' back in XXXX. i purchased it on crypto.com crypto.com still " will not support withdraw of this token '' i have reached out a few times and they just say to follow thier social to see when i can withdraw it. 

i feel like a reasonable amount of time has gone by and i should be able to move my tokens to my wallet. they are now costing me real money as i have all of my other moowell tokens ( purchased elsewhere ) staked and earning 21.1 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given a XXXX dollar America Express gift card by XXXX for services done by me. When I received the card I was unaware of the limitations and tried using it at multiple online retailers. After being declined at multiple retailers a hold was placed on my card. When calling American Express give card services I was told the only option was to order a replacement card on XX/XX/2025. I was told the card would be expedited through XXXX. I confirmed my address with customer support multiple times. I contacted XXXX  as well as my XXXX  delivery manager account connected to my address and I have XXXX inbound packages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Subject : Bank of America Withheld My Funds After Placing a Hold Without Just Cause Dear CFPB Officer, I am writing to file a formal complaint regarding the mishandling of my checking account and the withholding of {$4000.00} by Bank of America. 

In XX/XX/2022, I opened a new checking account using the Bank of America mobile app. Shortly after opening the account, I transferred {$4000.00} from another Bank of America account that I also own. Both accounts are under the same online banking profile and fully verified. 

However, in XX/XX/2022, the newly opened account was suddenly placed on hold. I received a letter stating that the bank needed to investigate the source of the funds even though the money was transferred internally, from my own account within the same banking system. 

I visited a local branch and, with the help of a banker, contacted customer service. I was advised at the time to close the account and was told that the {$4000.00} would be returned to me via a check. 

However, the check was never issued, and I continued to follow up over the next several months. During a later visit, another banker advised me to reopen the account, claiming that the funds would be returned via the original transfer method. Despite this, the money has never been released. 

Since then, I have made multiple attempts to contact Bank of America and resolve this issue. Every time, I am told that I need to wait, with no clear explanation, resolution, or timeline provided. 

It has now been over XXXX years, and the {$4000.00} is still being withheld without justification. 

I am requesting the CFPB to help investigate this matter and compel Bank of America to : XXXX. Immediately release or return my {$4000.00} ; XXXX. Provide a formal written explanation for the prolonged hold and lack of communication. 

I am happy to provide supporting documentation, including transfer records, correspondence from the bank, and communication logs. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received a notice in the mail yesterday that my Milestone Master care with Concora Credit Inc. is increasing their annual fee to $ XXXX which comes to {$19.00} per month on the credit card bill. This is too much as it is the annual rate is 35.9 % to use the card. Something has to be done. When I contacted the company I was told that if I closed out my card I will still be charged interest rates and it would negativity impact my credit score.

Please help this is too much!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX 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 The original creditor was 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 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 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 Reported XX/XX/XXXX {$2700.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-04-15 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: TX

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
CashApp : CashApp has a very clear workflow for reporting scams however when one goes through the steps they do absolutely nothing. The first transaction the person blatantly ripped me off ; it not being such a significant amount I did not press it too hard being {$350.00} dollars for a person that I was trying to do as a personal favor but made it very clear that this was a loan only to be laf dirt denying such XXXX XXXX XXXX. This person was a recommned reputable indivdidual but turned out not to be the case. I was truly saddened, and it aso bothered my that he just laughed it of and XXXX my money refusing to give it back. I went through the complaint process with CashApp, clearly showing it was for a short term loan amount and later taunting " haha, you're not geting anything back and gong further to taunt me with his scam behavior, Despite sendig all these screeshots to XXXX, nothing was done. 

Most recent case XXXXI have been with an individual with with a reputable clean energy hydrogen company. He referred me to his investment banker colleague ( whom I have never met ), but given the level of time I have spent in working with him, it felt that I spent a tremendous amount of XXXX with the guy. The investment banker then said he has this credit repair magical worker. 

Because of the trust, I agreed to follow through with the individual by the name of XXXX to help me restore my credit report. I was originaly told, {$1500.00} they then gave blowback saying they can't start until they get {$5000.00}. I said, '' okay look, if you can not do all three credit reports, then please refund me '' XXXX again this is all in text essages that I submitted to CashApp, he mbe back and said he will clean up all three cedit reports. 

I agreed to do it ; Contantly hit up by him, " do you other people??? Referalls?? Who else can you bring in ''. I continued stay strong saying, " Once mine is complete then I will bring other XXXX in '', anyways they basically reneged on thei oigial deal ; it was a ton of waste of time and now my one that was supposed to be good - XXXX XXXX which is supposed to be the XXXX good XXXX. It wasn't, it ended up beng worse so they completely scammed me ad refused to give me my money bac and it's unfortunate. 

In worthing with CashApp and showing all these screenshots, they did absolutely nothing. They have a whole process to report scamms but don't do anything they imporve what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to reopen the case XXXX. The bank is not providing the reason for restricting my phone number. They are referring to " Zelle Transfer Service Addendum '' which does not state any reason for putting the restriction. 

Bank needs to tell me what is prompting them to put restriction as I want to dispute that reasoning. I have not violated any of the requirements mentioned in the agreement. 

The bank is XXXX against me without provided any reasons. 

I have been using this phone number for more than 10 years and when I transfer to Wells Fargo, they simply blocked 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 2025-04-15 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-15 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX XXXX ( XXXX ) advertised creating a new Chime checking account with the terms stating XXXX direct deposits of at least {$200.00} each for a bonus of {$520.00} through XXXX. The terms have all been completed, waited the required holding time, tickets have been created with XXXX screenshots and terms uploaded, but still no response from the support team. I'm afraid others may be experiencing the same issues as well. 

XXXX XXXX XXXXXXXX Date of Chime Enrollment : XX/XX/year> Date of First {$200.00} Employer Payroll Direct Deposit : XX/XX/year> Screenshot ( XXXX ) of the Chime Sign-Up Confirmation Email ( attached ) Screenshot of your Chime Account showing the email address associated with the account ( attached ) -Screenshot ( XXXX ) of your Chime account showing the first required Employer Payroll Direct Deposit ( Screenshots Must Show Deposit Names, Descriptions, and Exact Dates ) from your transaction ledger uncropped. ( attached ) -Screenshot ( XXXX ) of your Chime account showing the second required Employer Payroll Direct Deposit ( Screenshots Must Show Deposit Names, Descriptions, and Exact Dates ) from your transaction ledger uncropped. ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Reinserted Information Without Required Notification Violation of FCRA 1681i ( a ) ( 5 ) ( B ) Dear Equifax , I am writing to formally dispute the reinsertion of information into my credit report without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Specifically, the following item was previously removed from my credit report but has since been reinserted : DEPTEDXXXX Date of Original Deletion : XXXX Date of Reinsertion : XXXX XXXX According to the FCRA, if any information is reinserted into a consumers credit file after being deleted as a result of a dispute, the consumer must be notified in writing within five business days. I did not receive any such notification, and therefore, this reinsertion appears to be unlawful. 

I demand that this item be immediately removed from my credit report unless you can provide written evidence that : XXXX. The source of the information has certified its accuracy, and XXXX. I was notified of the reinsertion within the legally required time frame. 

Please consider this a formal dispute and investigate this matter immediately. I am also requesting a complete reinvestigation of the reinserted item. 

I have enclosed a copy of my Driver 's License, along with my social security card. also copies of credit report from Equifax showing PAID and CLOSED highlighted areas XXXX but it's reporting I opened the account XX/XX/scrub>XXXX  how is it possible I opened, and paid and closed account the same date? and I the consumer wasn't notified of the reinsertion this is a violation of the FCRA and FDCPA. 

Thank you for your prompt attention to this serious matter. Please respond in writing confirming your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief