vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 inaccurate.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I follow XXXX XXXX, also known as XXXX, on XXXX. His page is about investment, and he has over XXXX XXXX followers. I signed up for his beginner 's class. One day, he contacted me to check on my progress, only for me to respond and update him on how far I had gone. He later sent me a link to download XXXX. It is an app that allows you to chat with more group members. I told him I needed to set up my investment step by step and that I had just opened a XXXX account. He told me he would get me started on earning passive income and work my way up from there. I was confused as to why he was going that way, but he said he would come back to help with the XXXX setting up after we were done setting up. He asked how much money I had to invest in earning passive income. He told me I need {$5000.00} to {$10000.00} to start. So, I told him I could start with {$5000.00}. I said it was on a credit card. Luckily, the. Credit didn't work. He was trying different ways to get me to do a transfer, and it did not work out. He asked if I had a checking and savings account. I told him I did but didn't have enough money there. After much manipulation, he made me transfer {$1000.00} from my checking account. He later sent me another link where I would invest in the passive income, which I still don't know. It was after I had wired the money it occurred to me it was a scam because he was asking for more money from me because I told him I wanted to invest {$5000.00}. These were the account details. He gave me to do the wire transfer : Name : XXXX XXXX XXXX Account number : XXXX, Bank name : XXXX XXXX Routing no : XXXX XXXX : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I immediately called my bank to stop the transfer that someone had scammed me with. They checked and told me the transfer had already left my account, and there was nothing they could do. I have filed a complaint with the FTC. 

Please, I need my money back, and I need to stop these guys so it will not happen to other innocent victims. Inform the bank to look into this account detail and check the money that I transferred on XXXX XXXX, 2025. I have proof of the communication and transfer details if needed. 

I hope to hear from you soon. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a disputed with Experian regarding the remark from XXXX XXXX due to " affected by natural or declared disaster '' as they describe the XXXX pandemic that affected millions worldwide, cause an economic crisis that left many, including myself, financial unstable. They claimed to have investigated and found that " invalid dates '' however this is simply inaccurate. This debt states on my credit report that it was incurred in XXXX, which was most certainly a time when XXXX rampantly affected many, rendering them unable to support themselves financially & make payments. The company has falsely claimed that the dates were wrong, however they requested no corroborating information from me. I was positive for XXXX several times in XXXX, terribly affecting my ability to maintain stable income however Experian nor XXXX made any attempts to investigate the circumstances. I understand that the CFPB has filed a suit with they federal government against Experian for accepting unreliable information, failure to investigate & failure to notify consumer dispute results. I believe this aligns with my situation. I'm requesting this derogatory remark be removed from my report as it has tremendously affected my ability to progress financially. Experian violates my rights XXXX a consumer as well as laws on a federal level.

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 2025-03-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
All of a sudden I go to jail I have a XXXX XXXX XXXX card, XXXX XXXX and also a XXXX XXXX one some one claimed to be my wife and I don't have no contact with her or know her she been using my line of credit as her cable bill sale phone bill also got card under my name just today she attempt to do it again and did

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 2025-03-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX 15 U.S.

C 1681 section 602 A. States I have the right to privacy. 15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Subject : Cease and Desist Notice of All Communications Unsolicited Communications To : Central Portfolio Control , Inc. 
Address unknown Date : XX/XX/year> RE : Cease and Desist All Communications Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that Central Portfolio Control , Inc. cease all communication with me, whether by phone, text message, or any other electronic means. I do not have any known business with your company, nor do I recognize any alleged accounts you may be attempting to contact me about. 

I do not feel safe providing personal information over the phone to unknown parties. Additionally, I am opting out of any text messages requesting that I click on links to determine the purpose of your communication. Given the high amount of scams and fraudulent activity, I will not engage in any correspondence unless it is conducted through XXXX Mail only at my verified mailing address. 

To date, I have not received any written correspondence via mail or email from your company regarding any alleged matter. If Central Portfolio Control , Inc. believes it has a legitimate reason to contact me, you are instructed to do so solely through written U.S. Mail correspondence. Any further attempt to contact me via phone, text message, or electronic means after receipt of this notice may be considered harassment under 15 U.S.C. 1692d and a violation of my rights under federal law. I am also requesting that you cease any further phone communication with family, friends, associates or entities that my know me through any form of mediums.

Failure to comply with this request may result in legal action, including but not limited to, filing complaints with the Federal Trade Commission ( FTC ) and state regulatory agencies.

This complaint serves as formal notice of my demand. Any further unauthorized communication outside of the methods specified herein may be subject to legal penalties. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
On XX/XX/year>, Wise abruptly closed my business account, falsely claiming my product ( industrial-use *Mitragyna speciosa*, XXXX XXXX XXXX, labeled 'NOT FOR HUMAN CONSUMPTION ' ) violated their Acceptable Use Policy ( AUP ). 

Key Facts : - No Evidence Provided : Despite my repeated requests ( emails dated XXXX XXXX, 2025 ), Wise refused to disclose : - The methodology behind their 'high-risk ' classification. 
- Proof that my XXXX XXXX product matches their AUPs kratom prohibition. 
- Retroactive Policy Change : On XX/XX/year>, Wise updated their AUP to explicitly ban 'kratom ' after my closure, revealing bad faith. 
- Defamatory Harm : Wises internal 'high-risk ' label likely triggered third-party blacklisting ( e.g., fraud databases ), damaging my business relationships. 

Actions Taken : - XX/XX/year> : Wises Complaints Lead ( XXXX ) acknowledged my case but issued a premature denial on XX/XX/year>. 
XXXX : XXXX XXXX XXXX doubled down, ignoring my legal distinctions. 

Violations : - Dodd-Frank UDAAP ( 12 U.S.C. 5531 ) : Unfair refusal to review evidence.

- EFTA ( 15 U.S.C. 1693 ) : Lack of due process in closure.

- Michigan Consumer Protection Act : Retroactive policy abuse.

Resolution Requested : - Immediate account reinstatement.

- Removal of 'high-risk ' flags from third-party databases.

- Full disclosure of Wises decision-making process. 

- My Wise Business account was governed by Wise Payments Ltd. ( XXXX ), but I am a XXXX business. The CFPB should coordinate with the XXXX XXXX XXXX XXXX ( XXXX ) if jurisdiction is contested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Failure to do a thorough investigation into inaccurate information on my report. Also advised of fraudulent information on my credit report. Also, I have a relative with same name. Advised them that my past name has never been 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 2025-03-25 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:
Failure to do a thorough investigation into inaccurate information on my report. Also advised of fraudulent information on my credit report. Also, I have a relative with same name. Advised them that my past name has never been XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-25 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-25 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my XXXX XXXX but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-25 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.

The accounts below have violated my rights.

15 U.C.S 1681 section 604a. States I have the rights to privacy.

15 U.C.S 1681 section a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedent the report by more than seven years.

15 U.C.S 1681s-2 ( a ) ( a ) A person shall no furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found out last year i was yet again a victim of identity theft, i filed a police report and a fraud affidavit. The bureaus said that they would block the accounts within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 found out last year i was yet again a victim of identity theft, i filed a police report and a fraud affidavit. The bureaus said that they would block the accounts within 4 days

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 2025-03-25 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance {$XXXX} XXXX  XXXX XXXX Balance {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance {$XXXX} XXXX  XXXX XXXX Balance {$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 2025-03-25 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: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation