vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 ( 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I XXXX XXXX was experiencing identity theft, impersonating, dummy account online, unauthorized transactions with an apple watch. i don't own no apple watch and never have. The credit cards are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX account. All organized crimes that involves a corrupt government organization. Abusing my accounts and 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX was experiencing identity theft, impersonating, dummy account online, unauthorized transactions with an apple watch. i don't own no apple watch and never have. The credit cards are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX account. All organized crimes that involves a corrupt government organization. Abusing my accounts and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the accuracy and validity of multiple accounts and inquiries listed on my credit report. I request an immediate reinvestigation and clarification regarding the source of this information, as well as the verification methods used to confirm its accuracy.

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 2025-02-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX VIA DEALER XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete

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 2025-02-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Im filling out a complaint against cashapp ( block , inc ) due to no customer services and unfair practices and blockings which violate consumer financial protection act ( cffpa ) specifically cashapp failed to take timely and effective measures which is unfair and not preventing fraud 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 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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Recently I opened an account with Barclays USA just before my scheduled trip to XXXX. On XX/XX/year> I have received a notification of a statement however the Barclay Card USA is blocking the access to my online account as I am using a foreign IP address and apparently the site also doesn't recognize my XXXX device. 
To that effect on XX/XX/XXXX ( XXXX time ) I called the Barclays customer service and first the agent in the XXXX hang up on me when transferring the call to the " specialist '' to help me with my request. 
Then on the second call I received a US CSR who was unable to offer assistance ( it was very noticeable that her speech was slurred showing impairment ). When I requested to speak to the supervisor I was told that nobody is unavailable and to call early in the morning US time ( middle of the night here ) to get a customer service supervisor to help me. The way this issue is being handled by the Barclays shows an utter and complete contempt for the US customers using their cards as their customer service set up is dysfunctional and not able to provide a basic service. I am only asking for a credit card statement so I can pay it. The bill is uncharacteristically high that's why I want to review it before the payment. Yes this request is that simple and for whatever reason Barclays is unable to comply with it. According to the US Federal laws the customer is entitled to the credit card statement before payment so I do not understand why Barclays is unable to comply with my request as it blocks the access to its own website.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Novo Platform Inc.
State: PA

Complaint narrative:
On XX/XX/year>, novo bank immediately, without any warning or notice closed my XXXX bank account because I withdrew the entire amount of XXXX to pay company bills and employees. The following week on XX/XX/year> another transmission of XXXX was sent to Novo bank, which was supposed to have been sent back because the account was closed, but they accepted the money anyway and lied about not receiving.. they also lied about only one transaction being performed within the account. It was 3 total transactions in the account. Two a c h transfers from my company and one transfer from one big account to another. Their policy was that any remaining money will be sent within twenty days to the address of the account holder, which was never done.. Novo won't respond to any emails, and they suspended my ability to even respond to the company 's email. Website to ask questions. I have included all the necessary information that you need to go. After these people, they are a fraud. I have the transmission information from our company. Stating that they accepted the transmission, which means they have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 2025-02-21 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: PA

Complaint narrative:
Midland Credit Management Amount : XXXX I have asked this company and creditors for proof of the debt and the dates of last activity on this account is different for the bureaus. This account is inaccurate remove this account prom my consumer report demanding my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Novo Platform Inc.
State: PA

Complaint narrative:
I had a business account with Novo that was unexpectedly closed on XX/XX/scrub>XXXX XXXX XXXX At the time, the account had a balance of over {$800.00}. Novo informed me they would mail a check for the remaining balance, but I have not received it. Despite repeated emails, Novo has not provided any tracking information or updates. I would like assistance in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I became aware of student loans that was on my credit report a few years ago that I didn't take out. I has applied for a line of credit that I didn't get because of the student loans was on my credit that I was unaware of. I immediately contacted Great Lakes about these loans that I didn't take out. I applied for one student loan for the amount around {$1600.00} dollars also I applied for XXXX XXXX and was awarded full XXXX XXXX that covered my complete school tuition while attending XXXX XXXX. I was told by Great lakes that it could take up to a few years to complete the investigation. I would call ever few months to check on the case. XXXX XXXX was been under investigation because students had filed complaints that they where being over charged for tuition. I checked my credit report around XXXX  and the student loans was removed from my credit report. I called Great Lakes to confirm that the case was resolved and was told some one in that department would get back in touch with me no one ever did. i recently checked my credit and the student loans where back on my credit report but it has a different lender that i know nothing about the name is showing on my credit report as Nelnet and the total amount it showed for student loans {$16000.00}. It has been XXXX years since this has happen and it is back on my credit. Student loans that i didnt't take out. The XXXX XXXX office help me complete all of my XXXX grants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can log into my equifax no problem but lenders or apartment screenings can not pull my credit file. There is not a lock or a freeze on the account. The same thing goes for my transunion account. Lenders and I can only see and pull my experian report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
XXXX has failed to fulfill my legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct the reinvestigation disputed information on my credit report. I have been placing disputes in since last XXXX the amount of {$5000.00} the remaining balance of my student loans I have out in several disputes to have this removed from my credit report but its still remains. I have 4 accounts from my student loans that need to be removed from my credit report, they have already told me that it was suppose to be XXXX but nothing has happen yet and that was years ago.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Went to access account around the end of XX/XX/year>. I saw account was closed. I called company they said I would be sent a letter why account would be closed and my reward forfeited. {$210.00} worth. I got letter dated XX/XX/year>. It's states reason as Payment and unusual purchase history on your credit account that XXXX deems may be indicative of future intention not to pay. I have never missed a payment and always make payments early. 
I have other accounts at this bank without ever missing a payment. Then I called and they had a meeting about this issue around XX/XX/year> I was notified it wasn't possible to reinstate this account. But that I could apply for a new one. Rewards gone!

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