vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: IN

Complaint narrative:
After seeing 2 medical  collection on my credit I noticed the date it said I opened the account was XX/XX/year>. TransUnions credit report. I did a dispute with TransUnion snaking to valedate the contract I wanted to see my signature on the contract that I agreed to pay this medical  bill. Why would I Im a XXXX veteran with free healthcare why in the world would I say no I would rather pay its ridiculous. I told TransUnion in dispute the date was opened when I was XXXX  months old 50 years ago to delete off my reports due to fair credit all information must be correct. They didnt remove it. They updated it. Both collections should have the same dates but they still dont. Now they are brand new not XXXX years old. Its obvious TransUnion was on the side of the collection agency. I was under the impression that it had to be removed

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After a thorough review of my credit profile its multiple outdated information on my credit profile. 
My address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All others need to be deleted.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 ). Specially, 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 finical loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I want this information removed from my credit report Ive as and put in complaints this account was opened fraud from someone years ago again still have on credit went to court and still showing opened I need it removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account on Experian, XXXX, and XXXX appearing on my credit report under XXXXXXXX XXXX with account number XXXX ; XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX ; XXXXXXXX XXXX with account number XXXX XXXX After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : XXXX. Reporting of a XXXX XXXX on a XXXX Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt XXXX to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute. 

XXXX. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
There are fraudulent accounts on my consumer report. I tried to resolve it with the consumer reporting agencies and they have not done anything concerning my case.

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A payment on XX/XX/year> was sent to a XXXXXXXX XXXX XXXXwas sent XXXX XXXX XXXX XXXX XXXX XXXX in fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that have been applied to my account. These fees were assessed despite sufficient funds being available at the time the transactions were authorized. However, due to delayed posting of charges and credits, the transactions later settled with insufficient balances, resulting in overdraft fees. 

This situation appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices by Navy Federal Credit Union. I believe these actions are unfair and request a thorough investigation into the posting and settlement of my account transactions. 

Thank you for addressing this matter promptly. Ive been a member since XXXX. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I had one number wrong on sending someone money through Zelle and there was no way for me to get my refund or reimbursement. I sent money through Zelle too someone selling me XXXX and got blocked and was unable to receive my money back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
I sent a wire to Coinbase for {$8000.00} XXXX XXXX. They received the money XXXX XXXX and immediately placed my account into a restriction ( for an identity verification ). I immediately verified myself and was told it would take XXXX minutes. After XXXX hours later my account was still blocked from transacting. I contacted the support team and was asked what XXXX I was buying, from where and why I was investing into XXXX? I answered all of the questions and was told that money was being held due to a review. I have been waiting for XXXX days now and my wire is still being held by Coinbase. Im not even allowed to withdraw my funds back into my bank account. Their customer support team is telling me they do not know when itll be sent back to me. This is money I worked hard for and Im trying to invest into time sensitive trades. I am very disappointed in Coinbase and I will never use them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX I applied for a Comenity - XXXX XXXX XXXX XXXX and was immediately approved. I have used the card on several occasions and have always paid the bill in full and on time. I have also always paid the bill online. 
The last bill paid was due XX/XX/XXXX and in the amount of {$84.00}. As usual I paid the bill in full, online, and on XX/XX/XXXX. I was given a confirmation number of XXXX. 
I received a call from Comenity customer service on XX/XX/XXXX at XXXX informing me that I owed them a bill in the amount of {$110.00} which included the previous balance of {$84.00} and {$33.00} in late fees and interest. I explained that I had never gotten a bill for {$110.00}, that the {$84.00} had been paid a month earlier, and I would give them the confirmation number so they could check. They declined to accept the number from me or to check and I was informed my being given a number at the time of payment did not assume payment was accepted by them and that I needed to pay the full {$110.00} or at least {$40.00} at once. I told them I would pay the {$84.00} since they apparently had declined to accept my payment but I would never be paying their late fees or interest for money I had attempted to pay them previously and had confirmed. I gave my debit card information and was informed I still owed {$33.00} and then was unceremoniously hung up on. 
Throughout the call I felt the Comenity representative was rude, overbearing, and generally unpleasant implying I was lying about paying the bill weeks before and not receiving any bill for {$110.00}. Had they checked in the past they would have known my credit score is in the XXXX. I will never use this credit card again, do business with Comenity, or pay them the {$33.00} they mistakenly think they are owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX I owed {$1200.00} and every time I paid my amount owed didnt go down and when I called them they always said they used it for late taxes when I always paid more then I had to pay then I received a bill from a collector that I owed {$2100.00} and then I got a letter from another bank saying I owed them and a collector is always calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX : Account status : Open with exceptional payment history. 
Issue : Account shows 96 % utilization and does not accurately reflect my current payment status. 
Balance : {$190.00} as of XX/XX/XXXX. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Collections Accounts ) : XXXX XXXX XXXX : {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX : {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX : {$790.00} past due as of XX/XX/XXXX. 
Issues : Inaccurate reporting of past due amounts. 
Incorrect status ( e.g., " charge-off '' ). 
Errors in the collections process. 

Additional Issue with XXXX XXXX  : XXXX XXXX XXXX is not registered to operate as a debt collector in my state, making their actions potentially unlawful. 

Request : Thorough investigation into XXXX XXXX legality to collect debt in my state. 

Requests to Experian and XXXX : Accurate account status for all accounts, particularly those marked as open/closed. 

Correction of payment histories and removal of incorrect late payment entries. 
Review and removal of incorrect collection accounts and balances that may have been inaccurately reported. 

Update credit utilization rates, especially for XXXX XXXX XXXX XXXX where balance/utilization may be misreported. 

Investigate XXXX XXXX legality to collect debt in my state, as they XXXX not be legally authorized to do so.

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 2025-01-19 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: FL

Complaint narrative:
Dear TransUnion, I am writing to escalate the issue of inaccurate information on my credit report, which I have previously disputed with TransUnion. Despite the removal of some inaccurate items, certain issues remain unresolved. 

I appreciate TransUnions previous efforts in addressing some of my concerns, but I am requesting the immediate removal of the following items that have not been fully addressed : 1. Address : This address was removed only once, but it continues to appear repeatedly on my report.

2. Hard Inquiry : XXXX XXXX XX/XX/year> This hard inquiry should not be listed on my report. 

I have previously submitted my Identity Theft Affidavit and proof of identity, and as required by Section 605B of the Fair Credit Reporting Act ( FCRA ), these items should have been removed immediately. Since these items have not been properly verified and continue to appear, I am requesting their immediate removal from my credit report.

If these items are not removed, I will be forced to pursue legal action and further escalate this matter through additional complaints to the CFPB. 


Thank you for your attention to this matter, and I look forward to a prompt resolution.

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 2025-01-19 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: CITIBANK, N.A.
State: MO

Complaint narrative:
My elderly mother and I were victims of fraud in Excess of XXXX starting in XXXXXXXX XXXX XXXX The XXXX suspects were at our home assisting us, as we are both XXXX. They were at my home 7 days a week, pretending to assist us but it wasnt until XXXX I realized they opened numerous accounts with our information and stole cards from our wallets. The citi double cash card was one card she opened with my knowledge to help us get more available credit she said, so we could furnish our newly done basement. No one was authorized to use my card and no one was supposed to be added as an authorized user. She got the mail from the mailbox everyday and handed me a citi double cash card I think I used 3 times, and I told Citi what transactions where mine. The suspect used the card ( XXXX ) at numerous places and even paid herself and her company with cash advances after she added the card to my XXXX. The detectives and attorney general said this is called account takeover. Both suspects have prior charges for similar activity. Their boss gets them out of jail. He is also being looked at as a suspect. I have told Citi to check cameras, check ip addresses, do whatever they have to but my mother and I did NOT use the card with the exception of the few transactions I informed them about. Our excellent credit rating is ruined and our health has deteriorated because of this traumatic experience and Citi not wanting to investigate this further and not believing us has made it XXXX xs worse. Especially for my mother. The fact that Citi has decided to rule in favor of XXXX known con-artist is extremely disheartening, especially given their records compared to my mothers and mine. The suspect was in control of all the accounts because we naively believed she was looking out for our best interest. Yes I was a fool for trusting so much and I will live with that the rest of my life. But not being believed has made it XXXX Xs worse when I dont know what else to do. The other credit card companies did their investigations and acknowledged the fraud. I dont know why Citi hasnt. 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 2025-01-19 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: TX

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filling a complaint against cash app ( block, inc. ) Do to inadequate customer service and unfair practices, which violate the customer? Service and unfair. Practice 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 disput resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic transfer Act ( EFTA ) and regulation E. These actions as caused significant inconvenience in financial loss and i seek appropriate redress for these violations $ XXXX

Company response to consumer: Closed with explanation