vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
this is on my Advantage aviator card thru Barclays Bank On XX/XX/XXXX I was billed {$99.00} for their annual card fee. 
on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent them a check for {$99.00} per date total payment of {$290.00} on XX/XX/XXXX they processed a refund of {$190.00} on XXXX they sent me a bill stating that the charges were misposted and that I owed them {$290.00} with interest and penalties dating back to XX/XX/XXXX I have called and written for an explanation for the last XXXX months and keep getting the same answer. 
" This letter is in response to your recent paynment inquiry. We are unable to complete your request at this time please contact us for additional details. '' When I call, I wind up getting the same letter XXXX weeks later. 
They have reported me as deliquenty since XXXXto the credit agencies which has seriously effected my credit rating. 
Attached you will find copies of my credit card statements starting in XXXX of XXXX till XXXX of XXXX. Also included are my bank statements and the last letter from Barclays How can this bank just add charges and fees without justification. 
How can they report me as nonpayment for months. 
I pay all my bills in full on time.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. In detail, 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 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 2025-03-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have been trying to get in contact with Mohela, but the wait times will extend so much that by the time the XXXX hour wait time is over, the office would be closed. I always did monthly payments with them until I kept checking and it was saying that I owed {$0.00}, but my payment account will rise as if something that I dont know of had added or if its something that they got going on with the government. I havent paid in XXXX XXXX going on XXXX due to this and its aggravating that my balance keeps going up and I have no information from them as to why. Instead I feel like it would make sense that if they were going through something with the government, my account should be frozen. I do have an email in early XXXX that say I owe them {$50.00} in XXXX, and thats fine but why is my payment account going up as if I did something wrong on my end. I have also done my research and it seems that Mohela has had multiple issues in the past and its still ongoing and I dont feel comfortable continuing with them if they are constantly having issues back to back. I am not in school anymore so it shouldnt be going up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I received a text on XX/XX/XXXX asking me if I sent a XXXX payment to someone for {$2000.00}. I replied no and XXXX minutes later received a phone call saying that they were Chase fraud protection and that I needed to move my money so that a new profile would be created for my protection. I was asked to open my Chase app, they put XXXX XXXX XXXX as a personal contact so that they could deposit the money in his account. I was then instructed to XXXX money to myself. XXXX {$4000.00} cash from the teller in the lobby on XX/XX/XXXX. XXXX other cash withdrawls were made of {$6000.00} and {$20000.00} from the teller. This money was redeposited in the lobby ATM using a Debit card that they put in my XXXX wallet ( XXXX XXXX debit card - last XXXX digits XXXX ). I had just received a deposit from the IRS of nearly {$7000.00} in my personal checking account. I later told them that I had a business account, so they then instructed me to make a cash withdrawl from the teller for {$25000.00} on XX/XX/XXXX, I was instructed to then go out to my car for further instructions - tell the teller you want to withdrawl {$25000.00} if they ask you what it's for you tell them " personal renovations '' The XXXX XXXX card was reloaded and I deposited the cash in an ATM in the lobby ( where the money is now, I dont know ) I was then instructed to go to another bank to have another similar transaction for {$27000.00} cash which was again deposited in the ATM lobby. The XXXX XXXX card was removed. They also asked me to move my XXXX XXXX high yield savings on XX/XX/XXXX but I moved that back. Finally, They asked me to move {$20000.00} from my XXXX account to Chase. My financial planner caught it, called me. This is where it ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-20 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: AZ

Complaint narrative:
This letter serves as a formal demand for the immediate removal of inaccurate and misleading late payment history and remarks that have been incorrectly reported on my credit file. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not tolerate false or unverifiable information damaging my creditworthiness. 

These late payments are either incorrect, unverifiable, or misleading and must be deleted immediately. I have never made a late payment, and any record suggesting otherwise is inaccurate and must be removed immediately in compliance with the FCRA. 

Additionally, I demand the removal of any negative remarks associated with this account, including but not limited to : " Late Payment '' notations " Account Delinquent '' remarks Any derogatory comments related to late payments LEGAL DEMAND FOR ACTION : Delete the inaccurate late payment history and ALL associated negative remarks from my credit report immediately. 
Provide me with a written statement confirming the removal of this incorrect information. 
Send me a copy of the documentation used to verify the accuracy of these late paymentsfailure to provide legitimate proof means you are reporting unverifiable data, which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-20 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX  XXXX {$13000.00} Date Open : XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} 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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Mohela has been processing my IDR plan since XX/XX/year>. They told me in XXXX that I would be placed into a XXXX day forbearance and after those XXXX days, I would not continue to accrue interest on my account until my plan was approved. As of XXXX, they have put my account into repayment, I am still gaining interest ( and have been for over the XXXX  days ), and my application is still in review. The wait time to talk to anyone at Mohela is XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
please remove fraudulent inquiries TRANSUNION: 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

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I purchased a XXXX vehicle at the dealership on or about XX/XX/XXXX. My sales rep told me to open the XXXX credit card for a promotional incentive which I had no problem doing. I made a purchase of {$1000.00} which was part of the down payment I put on the vehicle. I mentioned I wanted PAPER statements during the application. I received an email on XX/XX/XXXX about the credit card rewards program. I received another email on XX/XX/XXXX stating the card will arrive soon. The XXXX email was received on XX/XX/XXXX reminding me to set up an online account. I then received ZERO emails until XX/XX/XXXX stating that my statement was ready for the period of XXXX. I thought this was my XXXX billing statement for the card. The same day on XX/XX/XXXX I receive an email stating my card is 4 days past due. I immediately called and spoke to someone asking XXXX. How is the card late when I just received my first statement email? I was told it was NOT the first bill. I said than please provide me with the details of the first email that was sent regarding my first billing statement. There was nothing in my spam folder and I had no issue receiving emails regarding this card in XXXX and then again in XXXX. XXXX. As of XX/XX/XXXX I still had not received the card and I NEVER got the full card number during my application so I had no idea what the full XXXX digit card number was to establish an online account. XXXX. I told the representative that I NEVER opted for paperless statements and even stated at card opening I wanted PAPER statements. She told me she would change me to XXXX statements. I said well that doesnt help me now with this issue. After speaking to XXXX representatives I was able to receive {$9.00} back out of the {$29.00} late charge AND was told id be getting another statement showing interest charges. I paid the card in full including the full {$29.00} late fee and closed out the account. I spoke to a friend who opened the card as well when he purchased his vehicle and said he had a similar issue with his first billing statement. I think this is a completely unfair business practice. I also think its unfair to be automatically opted into paperless without agreeing to it and I ESPECIALLY think its unfair that I never received my card or the first statement but somehow MIRACULOUSLY received an email for my " second '' billing statement AND on the same day received an email stating my account was 4 days past due. I also had no problem receiving an email confirmation regarding my payment that was made. At no point did they send a " reminder '' email or an email stating " You have a payment due today ''. They were unhelpful and told me they couldnt do anything else and told me I had points that i would lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a security freez on my credit reporting specifically Equifax and i got an email that it was turned of when i saw the email and logged on to check there was already new inquiry on my account from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought an outfit online from XXXX XXXX for {$100.00} with my Wells Fargo visa on XX/XX/year>. The item was a special purchase for an upcoming trip but according to the merchants website, the shipping dates would work out just fine. As I tracked the shipping and saw that the item was seemingly lost I requested the merchant, XXXX XXXX refund my money as the item was never delivered to me. This merchant has no customer service phone number and does not answer emails over the weekend or hardly ever. They also tout an online chat service which no one monitors regularly, or at least not in my experience. As I mentioned, communication with the boutique was very challenging, so I eventually went to my bank and requested they withhold funds as I did not receive the item I had purchased, so that initiated a claim investigation, which was shotty at best. I have had to regularly follow up with this stupid boutique and Wells Fargo to try to find out what the delay is and they now throw in there that it has to take 75 days because of visas timeline. I requested that Wells Fargo provide me with what they have done in the investigation and that they review additional items and emails that have transpired since their initial claim was filed. Not XXXX time did anyone ever contact me. This should take no more than XXXX to XXXX hours to resolve.

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 2025-03-20 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( XXXX  ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXX ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX ( a ) ( XXXX ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX BANK XXXX - XXXX : {$3200.00} - Account # : XXXX XXXX XXXX  XXXX XXXX - XXXX : {$2800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$750.00} - Account # : Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MCM sent me and email to threaten me with a lawsuit when I have never been contacted by them before. I never recieved anything from them to discuss it or anything just jumped right to threatening to sue me and garnish my husbands pay as I dont pay. My husband has nothing to do with it as hes but they are very threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TN

Complaint narrative:
XX/XX/year>XXXX  I called and spoke with a representative at experian and advised them to update my personal information as well as my account information. The representative stated to me that I would get a response within 24 to 48 hours the information that I was requesting was for them to update account information such as late payments on my account being that all of my accounts have been paid on time also Experian not properly investigating my consumer dispute despite them having a lawsuit out with the CFPB for the same matter I need this issue resolved as soon as possible. Experian needs to send information verifying the late payment and if they can not do so within 14 days, the late payments need to be updated on my credit profile to paid on time and never late. Because I have gotten back the report and the information had not been updated personal information or the account 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