vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I've been calling my loan provider, Mohela, for weeks, and they haven't accepted my calls or provided me with a callback. My loans should be deferred, but they aren't, and I can't speak with an agent to fix the issue, and my loans are accruing interest every day they refuse to take my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CIBC BANCORP USA INC.
State: ID

Complaint narrative:
I mailed back the companies own form demanding the account be closed. I called and requested account closure. I have been locked out online so demanded return of fees. They refuse to close the account, and continue to charge bogus fees.

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 2025-03-06 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: WA

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 2025-03-06 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
On XX/XX/XXXX I called in because my card stopped working. 

I informed American Express that I would be closing my account. 

Today XX/XX/XXXX I received my bill. I went to apply my rewards to the due bill and found that they had already closed my account and locked me out of the rewards. 

They still expect me to pay what I owe obviously, but are refusing to give me the rewards that they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I woke up with quite a few emails that accounts were being opened in my name. I immediately reached out to the credit bureaus to report the incident and had my Credit shut down. I reached out to all the banks that forward me emails to let them know I wasnt the one opening the accounts. All the banks did their research close all account accounts except for Capital One I am still receiving emails from them and a statement requesting that I put money in my account, I reached out to Capital One Bank several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
Subject : Formal Complaint Against Cash App Unresolved Unauthorized Transactions & Mishandling of Dispute Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Cash App ( Square , Inc. ) for their mishandling of my dispute regarding unauthorized transactions on my account. Despite my repeated attempts to resolve this matter, Cash App has been uncooperative, inconsistent, and has failed to properly investigate my claims.

Details of the Unauthorized Transactions : On XX/XX/year>, I submitted a dispute with Cash App regarding the following unauthorized transactions on my account : XXXX : {$1500.00} XXXX : {$87.00} XXXX  : {$140.00} XXXX : {$1100.00} XXXX : {$1000.00} XXXX : {$920.00} XXXX : {$4100.00} Total : {$9900.00} Issues with Cash Apps Handling of My Dispute : 1. Failure to Properly Investigate My Dispute I filed my dispute on XX/XX/year>, but Cash App later falsely claimed it was filed on XX/XX/year>, in an apparent attempt to delay resolution. 
Cash App has provided no meaningful updates and continues to send generic responses stating my claim is under review. 
XXXX. Inconsistent Communication & Case Closure Without Resolution On XX/XX/year>, Cash App wrongfully closed my dispute case ( # XXXX ), falsely stating that I had not responded for three days. This is incorrect, as I last emailed them on XX/XX/year>. 
XXXX. Lack of Continuity in Customer Support Every time I contact Cash App, I am assigned a different representative who does not seem to have prior knowledge of my case. 
I have been forced to re-explain my dispute multiple times, yet I receive generic copy-paste responses with no real assistance. 
This revolving-door approach to customer service prevents accountability and delays resolution. 
XXXX. Unjustified Account Restrictions Cash App canceled my Cash Card without explanation, and I have been unable to reorder one due to ongoing errors. 
Unauthorized transactions continue to affect my balance, yet Cash App has failed to protect my account from further fraudulent activity.

Resolution Requested : I request that Cash App : Immediately refund the unauthorized transactions totaling {$9900.00}.

Reopen my case and conduct a proper investigation.

Provide a single, assigned representative to handle my dispute.

Restore my ability to order and use a Cash Card.

Cash App has failed to provide a fair and transparent resolution process, and I urge the CFPB to take action to ensure they are held accountable.

Please let me know if any additional documentation is needed to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2025-03-06 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate bank is Commenity Bank knowingly and intentionally withholds the words medical debt from the credit reporting agency making it impossible to have a fair, accurate and complete dispute They had been advised what they already know that the alleged debt that they are reporting to XXXX and XXXX is indeed medical debt. They misrepresented to XXXX and XXXX that the alleged debt is NOT medical debt. 
Their actions are unfair and malicious and serve no good purpose because Comenity bank is no longer the owner of the alleged debt. They are indeed still reporting the incomplete information. This does great harm to me. I was diagnosed with XXXX and also have a XXXX, but I constantly have to fight the cruel and malicious behavior of community bank who continues to report to XXXX and XXXX despite their receiving compensation for the medical debt by another provider As mentioned in a previous report, they also have lied and been deceptive with the CFPB claiming that they are not at fault for the very reporting that they are doing and deceitfully blames the current owner of the alleged debt.

This constant and needless stress on me has done significant damage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I arrived at the Bank of Santander ( XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX for a scheduled appointment with XXXX XXXX, XXXX. XXXX XXXX XXXX. The purpose of my appointment was to open a bank account in the name of my Living Estate Trust ( LE Trust ). I provided my trust documents and U.S.A. Passport. XXXX said she needed to consult with a more Senior Associate and brought in XXXX XXXX, Senior Relationship Banker, to review my documents. XXXX and XXXX explained that because my trust documents were not stamped by any court, they needed to send my trust documents to the legal department for review. Then XXXX instructed I go home to wait for her to call me to notify me of the determination by Legal. Therefore, I left the branch. A couple of hours later, XXXX called me to let me know the legal department did not approve opening a bank account for my LE Trust because the Trust Documents were insufficient. I asked to know what was insufficient and what was missing. XXXX told me my documents were not drafted by a lawyer and approved by the Court. I asked to know what kind of court needed to approve my trust documents and to reference the law that requires a LE Trust to be drafted by an attorney and approved by a Court. XXXX told she was not a lawyer and could not give me legal advise, and I should consult with the attorney. I asked to speak to the Legal Department and to know the name of the attorney who instructed not to open a bank account in the name of my LE Trust. XXXX refused to provide the name of the attorney and said I could not speak to the legal department. I asked XXXX to follow up with the legal department and to ask the legal department to provide an answer to my questions. XXXX said she would ask and call me back. XXXX called me back moments later claiming the legal department responded by saying it is against Bank policy to open an account to a LE Trust not approved by the court and not drafted by an attorney. I asked to know which policy. I asked for the specific policy to be referenced word by word. She said she would call me back. Instead I received a call from the Branch Manager, XXXX XXXX, who said the Bank will not give out their company policies ( a strawman answer as I did not ask for a copy of the bank 's policy handbook. I asked to know the policy ) and regurgitated the same verbiage I heard from XXXX, " No, you can not speak to the legal department. '' " No you can not know the name of the attorney. '' " No you can not use trust documents not drafted by an attorney or approved by the court. '' Last but not least, in the manager 's own words, " I am not an attorney and can not give you legal advise, go get a lawyer. ''

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 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Recovery Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I was forwarded a debt collection notice. It states that I owe a principle of {$1300.00} and interest in the amount of {$530.00} for a total of XXXX. This notice was sent to me via a text message from the people that now live at my old address. I have not lived at that address since XXXX of XXXX. I did not receive any request for payments from this company. Any medical payment requests should have been first sent to medicare. I do not know of any debts owed. I have always payed any debts promptly. I have lived in New york almost 3 years and have not received any payment requests to my address from this company. I have not had any unpaid bills from any medical company in XXXX XXXXXXXX.

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 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX I was a victim of idenity theift. XXXX XXXX stole my credit card and identity and racked up XXXX XXXX  charges on my credit card. I reported the theift charges on my card right away and put a fraud alert on my credit card and more fraud was performed on the credit card after changing the credit card number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
The company questioned my residence and froze my account. They asked for ID and mail statement proofs of residency. I did, they never responded. This started XX/XX/year>. 
Since, I have opened new support cases every couple weeks or months. Same process every time, I send the same or different supporting documents, no answer, or sometimes they say my case is closed but I still don't have access to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MI

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 2025-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate 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