vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was late on a business credit card payment and it got reported on my personal credit score as a personal card.However I don't object to the it being reported but the reporting does not reflect the actual credit limit on the card.Chase has reported the card as having {$6000.00} credit limit when in fact it has {$23000.00} credit limit.The balance on the card is $ XXXXHowever the Credit Report they did says open balance {$23000.00} and a credit limit of {$6000.00} which makes the credit utilization 390 % .This wrongful reporting impacted my credit score by over XXXX points as credit utilization shows trough the roof.They should have reported the actual {$23000.00} credit limit and the current balance of XXXX which would have had a below 100 % credit utilization.Furthermore they have reported the credit card as having a {$760.00} minimum monthly payment which is not true.Chase wants me to pay the whole card and does not allow me to make minimum payments.I was in the middle of refinancing my home when this happened which caised all of the refinancing to be canceled.

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: Paypal Holdings, Inc
State: MN

Complaint narrative:
Customer said it to be a sports card not sent, was a fraud alert customer lied and had buyers remorse it was for a bachelor party. Also had disputed a month ago.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. 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 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:
Issue : Previously removed collection account was reinserted without notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account onto my credit report without following the proper legal procedures.

I disputed a collection account on my Equifax credit report, and after an investigation, Equifax removed the account. However, I recently checked my credit report and discovered that the same deleted collection account has been reinserted without any prior notification, violating my rights under federal law.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a credit bureau CAN NOT reinsert a previously deleted account unless : The furnisher of the information certifies that the information is accurate and complete.

The consumer ( me ) is notified in writing within five business days of the reinsertion.

Equifax has violated both of these requirements : I did NOT receive any written notification from Equifax informing me that the collection account was being reinserted.

I have not received any certification of accuracy from the original furnisher of the debt.

This means Equifax has reinserted inaccurate or unverified information without following the proper FCRA procedures.

3. Equifaxs Failure to Maintain Accurate Information ( FCRA Violation ) Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax is legally required to ensure that all information on my credit report is accurate and complete.

Because Equifax previously determined that this collection account should be removed, its reappearance is a violation of my consumer rights. The fact that the account was removed and then reinserted without proper verification demonstrates that Equifax is failing to maintain the accuracy of my credit file.

4. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax is required to properly investigate disputes.

By removing the collection account and then re-reporting it without informing me or verifying its accuracy, Equifax has demonstrated : Failure to conduct a reasonable investigation.

Failure to verify the accuracy of reinserted information.

5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.

15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper investigation.

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:
Issue : Previously removed collection account was reinserted without notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account onto my credit report without following the proper legal procedures.

I disputed a collection account on my Equifax credit report, and after an investigation, Equifax removed the account. However, I recently checked my credit report and discovered that the same deleted collection account has been reinserted without any prior notification, violating my rights under federal law.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a credit bureau CAN NOT reinsert a previously deleted account unless : The furnisher of the information certifies that the information is accurate and complete.

The consumer ( me ) is notified in writing within five business days of the reinsertion.

Equifax has violated both of these requirements : I did NOT receive any written notification from Equifax informing me that the collection account was being reinserted.

I have not received any certification of accuracy from the original furnisher of the debt.

This means Equifax has reinserted inaccurate or unverified information without following the proper FCRA procedures.

3. Equifaxs Failure to Maintain Accurate Information ( FCRA Violation ) Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax is legally required to ensure that all information on my credit report is accurate and complete.

Because Equifax previously determined that this collection account should be removed, its reappearance is a violation of my consumer rights. The fact that the account was removed and then reinserted without proper verification demonstrates that Equifax is failing to maintain the accuracy of my credit file.

4. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax is required to properly investigate disputes.

By removing the collection account and then re-reporting it without informing me or verifying its accuracy, Equifax has demonstrated : Failure to conduct a reasonable investigation.

Failure to verify the accuracy of reinserted information.

5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.

15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper investigation.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an identity thief from the credit Bureaus XXXX, XXXX, FICO, and also the Capital One bank have all had data breaches. I now have people calling my phone with my full name, address, and phone number due to the mishandling of my information. This has been happening for years, now my information is being used. I would like some assistance with this as I can no longer trust the Credit Bureaus and the banks.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an identity thief from the credit Bureaus Experian, Equifax, FICO, and also the XXXX XXXXXX/XX/XXXX have all had data breaches. I now have people calling my phone with my full name, address, and phone number due to the mishandling of my information. This has been happening for years, now my information is being used. I would like some assistance with this as I can no longer trust the Credit Bureaus and the banks.

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: KS

Complaint narrative:
Consumer Name : Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : 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 EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX - XXXX - {$2000.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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: 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 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 the 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Subject : Wrongful Foreclosure and Mishandling of Surplus Funds I am filing a complaint regarding the foreclosure of my property at XX/XX/XXXX, by Bayview Loan Servicing , LLC. There are concerns about procedural errors, lack of proper notification, and mishandling of surplus funds. 

Foreclosure Process Details : Foreclosure Sale Date : XX/XX/XXXX Foreclosure Sale Price : {$330000.00} Estimated Mortgage Balance at Foreclosure : Approximately {$280000.00} Mortgage Holder at Time of Foreclosure : Bayview Loan Servicing , LLC Subsequent Property Owner : The property was transferred to Fannie Mae and later sold to XXXX XXXX XXXX on XX/XX/XXXX. 
Issues with the Foreclosure Process : Failure to Properly Notify the Borrower The foreclosure case was filed under case number XXXX in XX/XX/XXXXXXXX, and a final judgment was entered on XX/XX/XXXX. 
XXXX XXXX, the widow of the original mortgagor, XXXX XXXX ( deceased in XXXX ), was not properly notified. 
Surplus Funds Mishandled The foreclosure sale price was {$330000.00}, while the mortgage balance was approximately {$280000.00}. This should have resulted in a surplus of at least {$56000.00}. 
Bayview Loan Servicing has not provided any evidence of disbursing these funds to the estate of the deceased borrower or his widow, XXXX XXXX. 
Lack of Transparency in the Foreclosure XXXX XXXX publicly available records confirm that a properly conducted auction took place. 
If the foreclosure sale was not conducted in accordance with legal requirements, it may be subject to further review.

Requested Actions : Investigate whether Bayview Loan Servicing followed proper notification procedures.

Determine whether Bayview properly handled and disbursed surplus foreclosure funds. 
Ensure compliance with Massachusetts foreclosure laws regarding borrower notification and surplus fund handling. 
I am requesting a full review of Bayview Loan Servicings foreclosure practices and surplus fund disbursement. If errors are found, I request appropriate corrective action, including the return of surplus funds to the rightful heir or any other necessary remediation. 

I have attached supporting documents, including the foreclosure deed, legal filings, and other relevant evidence. 

Thank you for your assistance in this matter.

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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts and inquiries on my report. They are hurting my ability to obtain credit.

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: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Help me dispute this company Midland Credit Management for negligence and harressment.

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: PA

Complaint narrative:
Please promptly block and remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing a formal complaint against Citi Credit Card for failing to properly handle my dispute regarding duplicate charges on my account. 

XX/XX/XXXX I purchased airline tickets for my family, and while making the payment, the airlines app ( XXXX ) malfunctioned. Their IT support instructed me to reissue the transaction, which resulted in duplicate charges for each ticket. I disputed all four charges with my credit card company on XX/XX/XXXX. Two were approved, while the other two required additional information. Since the credit card statement itself clearly shows the duplicate charges, I submitted a letter highlighting them. 

Despite multiple calls over the past few months ( since XXXX ), where agents repeatedly assured me that the dispute would be reopened, I recently discovered that it was never actually processed. Again today XX/XX/XXXX, I was told it would be reopened, yet I have seen no action. Meanwhile, I am being charged interest on these duplicate charges due to their inaction. 

I request an investigation into this matter and assistance in holding Citi Credit Card Company accountable for failing to properly handle my dispute. Please let me know what steps I need to take to escalate this complaint. 
Best regards, 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I did not receive my free annual credit report. This is a repeat request from last year.

Company response to consumer: Closed with explanation