vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I'm a long term ( over 10 years ) fully vetted eTrade customer with more than {$1.00} XXXX total including {$160000.00} cash. 10 days ago I added new bank to transfer funds to fully following eTrade procedure including dual-factor authentication and sending/reporting XXXX small amounts. Account was added but attempt to move funds was cancelled and account was locked. I have spent 3 days talking with multiple customer support reps including so called " platinum support '', " fraud prevention '', and " activation ''. They have made various claims including they need to talk to the new bank but XXXX rep refused to talk to XXXX party. Then I was told I need to provide XXXX statement to ensure name on the account is mine. I did and I was promised lock will be removed in XXXX minutes. XXXX later account is still locked. Today I attempted to chat with my " personal relationship manager '' but he stopped chat as soon as he learned about my case and wanted to have phone call ( basically going off the record ). I have chat screenshot and will to share it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. In addition, their dispute resolution process is unfair and misleading, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused a significant disruption and financial loss and I seek to appropriate redress for these infractions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
These accounts aren't mines I completed the ftc just like XXXXXXXX XXXX  stated. Please help me with these two accounts!

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
So XXXXXXXX XXXX XXXXXX/XX/year> I was receiving repeated amount of notifications from Cash App saying that there was withdrawals of money from my Cash app to bitcoin or some company like someone was using my account to continuously withdraw money out of my account to put into some thing I then contacted cash app so-called customer service and they were absolutely no help. I honestly think they didnt investigate this company or situation enough because it took them less than 48 hours to tell me that I could not get any of my money back and there was nothing they could do. I lost over {$8000.00} and I have no idea where any of it is I have no idea who has it cash app refuse to help me get any of my money back. And then when I asked for them to do further investigation, they close my case. The only thing I couldve done after that was to remove and unlink every last one of my bank accounts and cards because Cash app just was refusing to help me. I havent use the app since because Im too scared of being a part of this scam or fraud again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending to formally dispute the unauthorized inquiries on my credit report. Upon reviewing my credit report, I noticed several inquiry that I did not authorize. This inquiries are negatively affecting my credit score, and I am concerned about the potential impact on my financial standing. 

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 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 2025-03-11 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$600.00} U.S.C 1681 Section 602 A. States I have the right to privacy U.S.C 1681 Section 604 A Section 2 : It also States a 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, other than records of convictions of crimes which antedates the report by more than seven years. 


1

5 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 accurate. Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2025-03-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
My account was locked they informed me that I was suspected of scamming/fraud I put in my complaint and never got a response from the company which is cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
Im frustrated to find that my report contains errors that are unfairly dragging down my scores. These mistakes have already led to unnecessary challenges that I shouldnt have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've included a word document with the information I want wiped from my credit file, and I'm writing to request that it be done. My identity has been stolen. My credit report shows several inquiries and accounts that I did not apply for. In order for my credit report to solely display factual information, I request that these things be removed. I've included copies of the report I submitted to the Federal Trade Commission about the identity theft. As quickly as possible, I would like these things removed from my credit report. In accordance with Fair Credit Reporting Act section 605B, kindly remove this information from my credit 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 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
The debt is not owed because it was incurred as a result of identity theft. I did not authorize or have any knowledge of the account or charges, and I have taken the necessary steps to report the identity theft to the relevant authorities, including filing a police report and notifying the credit bureaus. 

This reason explains that the debt is a result of fraudulent activity, and it indicates that youve taken appropriate actions to address the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I refinanced my car loan with pen fed credit union. I moved and my phone number changed. I then wasn't able to login into my account online. When I called to make my payments none of the info.associsted with the account was correct. I sent in requested information to get the account updated multiple times, I mailed, faxed, emailed and used the upload portal, each time then claimed it was either never received or it wasn't the right information. I would have to explain that entire situation to be transfered and explain it all again to the next person prior to being able to make a payment. This went on for over 2 yrs which made making payments difficult and time consuming. I would get behind on payments then catch them up. I tried everything to get them to update the account to make it easier for me to make the payments. Even if a hacker where to get my car loan info.they weren't going to make the payments and getting another loan wasn't an option so they could have just changed the phone number and mailing address associated with the account yet wouldn't. Today I called to get payments caught up and was told it was in repossession status. I owe almost as much as I did 3 yrs ago when I first financed the car. I was told I needed to pay in full or give the car back. I am working with another institute to refinance my car. I called Pen fed XXXX XXXX to a 10 day pay off letter and was talked to extremely rude and still was not able to get XXXX. If people do not have access to their loan info they aren't able to make the payments. The bank institute then can add on all these fees, late charges ect which should be illegal considering all they had to do was update my phone number, mailing address and give me access online to make the payments.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

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 2025-03-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Giftcards.com I was sent a {$250.00} gift card, I have tried to activate it many times and had no luck due to the system showing " no card found with these details '' I receive the same error when trying to check the balance option. 

I have tried to call over the last couple of years and either get no one that answers or get disconnected. 

After finally getting ahold of someone there is only about {$100.00} left on the card. 

They are telling me that even they cant activate the card and will need to escalate it to the back end team to try and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing to formally dispute the repossession listed on my credit report. Under the Fair Credit Billing Act ( FCBA ) and Truth in Lending Act ( TILA ), codified in 15 U.S. Code 1601, creditors and lenders are required to provide full and accurate disclosures regarding credit terms, payments, and obligations. I have reviewed my records and have reason to believe that the reported repossession is inaccurate, improperly documented, or unlawfully enforced.

Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and verify the accuracy, completeness, and validity of this negative item. Specifically, I request : Proof of Proper Disclosure Documentation from the original creditor proving that all terms and obligations of my agreement were fully disclosed per 15 U.S.C. 1601 et seq.

Validation of Debt A full breakdown of the balance, including interest calculations, fees, and any payments made.

Proof of Legal Repossession Process Evidence that the repossession was conducted in compliance with state and federal laws, including any required notices.

Chain of Custody Documentation Verification of ownership and the lawful reporting of this account to your bureau.

If the disputed repossession can not be verified with proper documentation within the legally mandated timeframe ( 30 days under FCRA ), I request its immediate removal from my credit report. Failure to comply may result in legal action against the responsible parties for violations of federal law. 

Please provide a written response regarding the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: WI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: WI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation