vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
XX/XX/scrub>XXXX - I couldnt access my cash app.

XXXX - I couldnt find a cunstomer service for help on the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After reviewing my credit report I noticed a delinquent account. Not sure if it is a loan or credit card that has been opened and reported XX/XX/2023. However I do not recognize this account and most definitely did not open anything through my Wells Fargo bank account ever. It is apparently a result of identity theft which I took the liberty of looking into attempting to contact my bank and my account had been closed as if it never existed as well as my job deposits at that time used towards this opened third party account I had not opened. Please delete immediately.

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 2025-02-06 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according XXXX XXXX Final Rule XXXX ( b ) ( 4 ) -5 -- XXXX ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ).

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On Wednesday, XX/XX/2024, From XXXX XXXX XXXX XXXX XXXX, {$2900.00}, This is a fraud charge. I lost my credit card during that time, the original credit card is no longer in my position. The charge is not made by me. This is an unauthorized charge. I do not recognized this charge at all. an unauthorized user stole my credit card and use this to place order. the order package delivered to my address, the seller refused to accept my return. I am not responsible for this fardu charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am contacting you regarding my Comenity BankXXXX XXXX XXXX XXXX  which was included in my bankruptcy filed on XX/XX/XXXX, and discharged on XX/XX/XXXX. As this debt was legally discharged, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding the inaccurate reporting of this account. XXXX responded stating, " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, the account status remains unchanged and continues to show a balance and past-due amount, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unaware of the below accounts and inquiries and I did not give any person or company my written or verbal consent to have, use, and or obtain my nonpublic personal information to apply for credit. The FCRA state in XXXX USC XXXX any item the consumer ( me ) declares as fraud SHALL be blocked from reporting within 4 business days of receipt of notice

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 2025-02-06 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Due to unforeseen circumstances and financial hardships, I feel behind on my obligation with attached debt. The referenced account was charged off and should qualify as cancellation of debt, which requires the creditor to issue me a 1099C for tax reporting purposes. 

I've made attempts to contact the creditor to obtain my 1099C form for tax filing purposes and it has not been received, nor has there be any response to my notification. I request that this debt be removed from my credit report, as it shouldn't show a balance considering the creditor as received a tax write off due to charged off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
EQUIFAX is not investigating my disputes and when I call in they are not writing down what I say for the dispute and they refused to show me the investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
According to the Fair Credit Report Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I received a debt collection letter dated XX/XX/XXXX last year. When reviewing the information, I realized this was related to a fraud incident that occurred much earlier in the year, which was thankfully already handled by XXXX bank XXXX XXXX XXXX Bank, and lost funds were returned to my account. I responded to the letter on the debt XXXX website at https : //www.connectcw.com/disputes/. I never heard anything back until they placed the debt on my credit report. 

The letter I sent to them is provided below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attention : XXXX Department Dear Caine & Weiner, I am writing to formally dispute and request the cessation of collection efforts regarding an alleged debt listed under my name for the amount of {$44000.00}. This debt is purportedly related to a transaction involving cryptocurrency through XXXX marketplace, which I did not authorize. XXXX XXXX  is believed to be a defunct crypto affiliated business that was pulling several large amounts out of my business bank account under my NJ XXXX. 

I want to clarify that this debt stemmed from various fraudulent charges, which have already been disputed with my business banking partner, XXXX XXXX. After thorough review with substantial documentation supporting my claim and many phone conversations with the XXXX XXXX XXXX department, XXXX XXXX concluded that the charges were indeed unauthorized. Consequently, they reversed the transactions and returned the full amount to my business bank account. 

Given these facts, I insist that Caine & Weiner immediately cease all collection activities related to this disputed amount. Continuing to pursue this debt would be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and could lead to legal repercussions. 

Furthermore, I request that you : Confirm in writing that you have ceased collection efforts on this debt. 
Update your records to reflect that this debt is no longer valid or collectible. 
Notify all credit reporting agencies to which you may have reported this debt, to remove any listing associated with this account from my credit report. 

Please provide me with written confirmation of these actions. In addition to this response to you I will also be filing a claim with the CFPB. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 proce 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 2025-02-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I purchased a Macys gift card from Macys as a XXXX gift for my mother. The date and time of the purchase is listed on the receipt that I am still in possession of. The balance loaded was {$200.00}. Over 2 years later my mother informed me that she was never able to use the gift card at Macys. It declined several times at the cash register and payments never processed online. I asked her to try it one more time and if it failed I would call customer service since I was the purchaser of the product. After another failed attempt to use the card I called Macys customer service. According to my call logs, the call to Macys customer support at XXXX ( XXXX ) XXXX was placed on XX/XX/XXXX. After providing the card number and requesting a replacement card and stating that I had proof of purchase, Macys customer service proceeded to assure me that the card was active and showed a balance of {$200.00}. I told them they were missing the point, that the card was not at all usable and I was told that the next time it was used it would work. No action taken, just the representative simply saying that it would work. I told my mother this, and she again was never able to use the card. Checking the balance today still shows an active balance of {$200.00}.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
i am writing to formally express my concerns regarding Zelles recent handling of disputes particularly in light of recent CFPB lawsuits regarding significant issues with the platform. my financial institution and Zelle failed to address my concerns The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report : XXXXXXXX XXXX acct : XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed a charge of {$87.00} ( merchant : XXXX ) which was charged on my American Express card. This charge was disputed twice but American Express continued to deny the dispute. I had explained several times to American Express that the package was delivered to the wrong place ( it was delivered to the complex club house which was several minutes walk from my apartment ). I had provided photos as proof that it was delivered to the club house and not my individual apartment but American Express keeps siding with the merchant and claims that it was delivered. There is even a sign at the clubhouse stating not to leave packages there and the delivery driver failed to read the sign. Another concern is that I feel I may be a victim of delivery brushing and/or fraud but American Express didnt care to investigate. The merchant, XXXX, does not list a company address on their website and does not list a telephone number for customers. Despite explaining the lack of contact information to American Express, the dispute continued to be denied. I attempted to email XXXX several times with proof attached that it was delivered to the wrong place but I never received the results of their investigation. Please note that I am a loyal American Express customer who has a 100 % on time payment history and excellent XXXX XXXX. However I have had tremendous difficulty with this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 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: Block, Inc.
State: LA

Complaint narrative:
Has been a number of time. I tried to file a claim on false purchases and money being withdrawal, but I was never able to get in contact with anyone so I unlink the card from my bank, but then I had to hook it back up in order to use XXXX XXXX  Thinking that would make it better I lost money and I cant dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Im being double charged for my installment plan from XXXX through Goldman sack credit card. My monthly statement is {$58.00} this month my statement was XXXX. Goldman XXXX XXXX XXXX XXXX I missed a payment. I did not miss any payments. I showed them proof of my payments and they are refusing to adjust my account. Ive been trying to get this resolved for two weeks. They admitted there mistake but they will not fix my account. So my monthly installment is {$58.00} and it jumped to XXXX this month which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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