vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) report number XXXX regarding the identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : 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 XXXXThese inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am filing a complaint against Financial Credit Network due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Financial credit Network failed to take timely and effective measures to prevent and address problems on their platform, threatened me with harsh words and threats to tarnish my credit Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with my concerns as well as on my credit report it shows they disputed it as paid but it is on my credit report as a charge off which is inaccurate all together. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations.

Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had a balance of {$0.00} and my bank stole {$15.00}. I spent EXACTLY {$22.00} yet my negative balance is XXXX. So {$15.00} unaccounted for. I called my bank and they couldn't explain the charges and when I demanded paperwork explaining the charges, they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AL

Complaint narrative:
Cash app removed {$250.00} from my account on XX/XX/XXXX {$500.00} on XX/XX/XXXX {$150.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX {$600.00} on XX/XX/XXXX I tried to contact them but know customer service number emailed them but no reply I have done this serveral times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I have an XXXX XXXX credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. XXXX automatically pays the full bill from my XXXX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my XXXX savings account. 

On XXXX and XX/XX/XXXX, XXXX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called XXXX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact XXXX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this 2-3 times already and only one of the two errors have been corrected. 

I still have the second error on my credit report listing as unpaid. This caused my credit score to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I have an XXXX XXXX credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. XXXX automatically pays the full bill from my XXXX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my XXXX savings account. 

On XXXX and XX/XX/XXXX, XXXX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called XXXX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact XXXX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this 2-3 times already and only one of the two errors have been corrected. 

I still have the second error on my credit report listing as unpaid. This caused my credit score to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I have an XXXX XXXX credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. XXXX automatically pays the full bill from my XXXX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my XXXX savings account. 

On XXXX and XX/XX/XXXX, XXXX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called XXXX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact XXXX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this 2-3 times already and only one of the two errors have been corrected. 

I still have the second error on my credit report listing as unpaid. This caused my credit score to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry.

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 2025-02-01 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: IL

Complaint narrative:
XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2025-02-01 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: CL Holdings LLC
State: NV

Complaint narrative:
ursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint against Portfolio Recovery due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Portfolio Recovery failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with inaccurate information as well as harassing me, calling me several times a day, and threatening to hurt my credit report or worse with harsh verbal harassing. This account is on my report as a Derogatory Collection which is incorrect ive also asked where this debt came from and they wont give me any information. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1692c 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I am filing this complaint against Coinbase , Inc. regarding a missing transfer of funds that has not been returned to my account, despite multiple attempts to resolve the issue. 

On XX/XX/year>, I initiated a transfer of {$10000.00} from my Coinbase , Inc. account to my XXXX XXXX XXXX XXXX  checking account. However, the transfer was rejected and returned by XXXX XXXX XXXX XXXX  back to my Coinbase, Inc. account. 

As of XX/XX/year>, this amount is still not available in my Coinbase, Inc. account. I have made numerous attempts to contact Coinbase , Inc. for clarification and resolution, but my requests for information have been ignored. Coinbase, Inc. does not provide a way to speak with a real customer service agent, making it impossible to get assistance. XXXX XXXX XXXX XXXX  assures me that the funds have been returned to Coinbase and that they can take no further action. 

Coinbases lack of response and failure to make my funds available is unacceptable. I urge the CFPB to investigate this matter and ensure Coinbase complies with its obligations to return customer funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of JPMCB Card Services Account Due to FCRA Statute of Limitations Dear XXXX XXXX XXXX  , I am formally disputing the reporting of an account on my credit file that violates the Fair Credit Reporting Act ( FCRA ) statute of limitations. The details of the account are as follows : Creditor Name : JPMCB Card Services ( Chase ) Account Number : XXXX ( last XXXX digits ) Balance Owed : {$8900.00} Account Status : Charge-Off Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) Under the FCRA ( 15 U.S. Code 1681c ), charge-off accounts must be removed after seven years from the date of first delinquency ( DOFD ). Based on my records and the details in my credit report, this account exceeds the reporting period allowed by law. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX fail to perform an investigation and delete the disputed information. I request that XXXX immediately investigate this matter and remove the JPMCB Card Services account from my credit file in accordance with federal law. Please provide written confirmation of your findings and any actions taken. 

Enclosed, I have attached : A copy of my credit report showing the account in question. 
A copy of my identification for verification. 
Please conduct this investigation within the legally required 30-day timeframe and update my credit file accordingly. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
Currently have a auto loan with Santander Consumer USA. The account was charged off for being past due for over 120 days. I asked if the account was charged off would Santander still own the account and who would be the debt collection agency. 

I made a payment on the account to take it out of repossession status. Santander informed they could not give me anything in writing regarding my account being released from repossesion status. The customer service agent stated she sent the request over to the vendor ( tow company ) but I have nothing in writing to confirm that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OH

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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company from my information XXXX. Please delete the following accounts. creditor : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Reported Balance : {$6600.00} Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$0.00} Name ( XXXX ) : XXXX XXXX Name ( XXXX ) XXXX XXXX XXXX Name ( 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX 2021 XXXX {$40.00} add, XX/XX/year> - XXXX {$130.00} cash out, XXXX 2021 XXXX {$120.00} cash out, XX/XX/year> XXXX {$230.00} cash out, XX/XX/year> XXXX {$180.00} cash out, XX/XX/year> XXXX {$130.00} cash out, XX/XX/XXXX XXXX {$230.00} cash out, XX/XX/year> XXXX {$120.00} cash out, XX/XX/year> XXXX {$390.00} cash out, XX/XX/year> XXXX {$190.00} cash out, XX/XX/year> XXXX {$220.00} cash out, XX/XX/year> XXXX {$160.00} cash out, XX/XX/year> XXXX {$110.00} cash out, XX/XX/year> XXXX {$110.00} cash out, XXXX 2021 XXXX {$280.00} cash out, XX/XX/year> XXXX {$220.00} Cash out, XX/XX/year> XXXX {$290.00} cash out, XX/XX/year> XXXX {$240.00} cash out, XX/XX/year> XXXX {$95.00} Cash out, XX/XX/year> XXXX {$200.00} cash out, XX/XX/year> XXXX {$150.00} cash out, XX/XX/year> XXXX {$70.00} cash out, XX/XX/year> XXXX pm {$200.00} cash out, All This activity went to the wrong account my account info was removed and replaced on XX/XX/year> not by me... 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SC and XXXX SC there was multiple transactions. 

XXXX  XXXX no none of these transactions went to my account! card information was changed in the app cash app would not provide me with the card information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
My cash app card was stolen and used in XXXX and when I tried reaching out to cash app to get my money refunded and a new cash app card, cash app did not refund my money and did not allow me to get a new cash app card

Company response to consumer: Closed with explanation