vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( ETFA ) 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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I WOULD LIKE THIS REMOVE FROM MY CREDIT REPORT AS THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I began an application process for a Discover XXXX XXXX account after receiving a mailer from them as a long time customer of XXXX of their credit cards. Using the URL XXXX I am eligible for a sign up bonus for meeting deposit criteria, and I've also been shopping around for another savings account so this was great news. 

The initial signup process was largely completed online, and I had to call to do verification. The call did not complete verification, they made me sign up for a third party service called XXXX which had technical issues. I had to finally get the site working ( which took XXXX days, until Monday the XXXX ) then I had to book an appointment with a notary via a web meeting. All while repeatedly having to enter the same information into forms, scan my ID, and do all kinds of other things. 

This morning XXXX I had a meeting with a notary at XXXX XXXX PST and as part of the process I had to show my ID AGAIN and give my address AGAIN and then complete " identity verification '' questions which I failed twice in a row. 

It may be worth noting at this point that a XXXX insurance policy in my name is " crossed up '' in the insurance system with a man with a similar name that lives in Delaware, all the way across the country. I am in California. This is not the first time I've failed these " verification '' questions because in their infinite wisdom, consumer reporting agencies have combined our information in their systems for sale to companies as verification methods. I have tried REPEATEDLY to get our profiles separated in XXXX 's systems and they are unwilling or unable to do so. 

After failing these absurd and unanswerable verification questions twice, I was told I would have to come back another day ( I would undoubtedly fail again because I am not the guy from Delaware ) so I canceled the process with NotaryCam and called Discover back to complain about the issue. The only solution they could offer is to make me travel to a notary, and they couldn't say definitively whether they would pay for it or I would have to. Let me get this straight, I might have to pay for a notary to open a deposit account on which *Discover* will make interest? Not doing that. 

It's important to note that this entire process is, in essence, discriminatory. A person who is not technically savvy would not be able to complete this process at all ( most retirees ) and the fact that they rely on flawed information from broken consumer reporting agencies is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 writing to formally dispute a fraudulent account or transaction that appears on my credit report. This account was opened or reported without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related identity theft protection laws.

ber : FCRA & Identity Theft Violations Related to This Account : 1. Unauthorized Reporting of Fraudulent Information ( 15 U.S.C. 1681b ) Credit reporting agencies must ensure that only authorized and legitimate information is included in my credit report.

2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) If I dispute fraudulent information, the credit bureau is legally required to conduct a proper investigation within 30 days and remove unverifiable or fraudulent data.

3. Fraud Alerts and Security Freezes ( 15 U.S.C. 1681c-1 & 1681c-2 ) As a victim of fraud, I request that a fraud alert be placed on my credit file and that any unauthorized accounts be blocked from further reporting.

4. Identity Theft Protection ( 15 U.S.C. 1681m ) If this fraudulent activity resulted from identity theft, the FCRA requires credit bureaus to take appropriate actions to protect me from further harm.

Requested Action : Immediately remove the fraudulent account or inquiry from my credit report.

Place a fraud alert on my file to prevent further unauthorized activity.

Provide me with a corrected copy of my credit report reflecting these changes.

I have attached several copies of my identity theft report, supporting documents to verify my claim.

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 2025-02-04 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-04 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-04 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a XXXX XXXX credit card account with Bread Financial which is part of the Comenity Capital Bank. There has been a reoccurring fraudulent charges on my account and to top it off, Comenity Capital Bank is charging interest/financial charge. I have requested " Comenity Capital Bank '' and " Account Assure '' which is also part of " Comenity Capital Bank ''. I have not been provided a proof of consent from me as a consumer who purchased it or granted them my permission to charge it on my account. I have requested a refund of all the charges to " Comenity Capital Bank '' and " Account Assure '' via message and phone call. The customer service as well as supervisor are not willing to help. They keep transferring the calls between the two entity where no body is willing to listen or help. This is a fraudulent malpractice by Comenity Capital Bank to rip off consumers. I am reporting this company to the " Consumer Protection '' in hope that FDIC Consumer will look into this malpractice and help resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Ive been a client of CashnetUSA for almost 15 years. I have secured advances and made consistent payments over the tenure of this account, In XX/XX/XXXX, I requested a payment adjustment and the payment of {$450.00} was deferred to XX/XX/XXXX, however I would still be responsible for the XXXX payment of {$400.00}, totaling {$850.00} payment due on XXXX XXXX. I was also advised that my account was shut down because I live in North Carolina, a state that does not allow payday loans. 
This surprised me, since I have lived in NC since XXXX and CashnetUSA has allowed me to take advances up until XX/XX/XXXX. I see this as a violation of NC laws regarding payday loans. However I agreed to the account being shutdown and expressed to pay back the balance remaining. I asked for a reasonable installment plan that would dissolve the balance. They insist that I make these exorbitant payments while they continue to add high interest and fees. They have not offered any other remedy. 
I am now XXXX XXXX XXXX, XXXX and my only source of income is XXXX XXXX. Quite a change in my financial situation since originating the loan XXXX  years ago. 
Looking to resolve this issue and willing to payoff the debt under reasonable terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was misled by the jewelry department during Christmas of 2024. I was told there was a special, that I would only be charged {$80.00} a month for XXXX months. Instead, I was charged the full amount thus over-extending my credit. When I got my statement and learned that I did not even have the credit limit available to purchase full price. I called Macy 's to learn that without my knowledge they increased my spending limit. 

I lost my job and knew I could not pay, so I contacted Macys to see what could be done. They closed my account with a balance listed. 

Although I have XXXX Macy 's accounts, they have locked the other one, even though there are funds available, and it is not closed. 

I do not believe I should be held responsible, when the store took it upon themselves to increase my limit without my approval. Now I am stuck with this debt.

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 2025-02-04 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX. EASTERN ACCOUNT SYST OPENED XX/XX/XXXX identity theft I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Collection Agencys Name and Address TRUIST BANK RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Sincerely,

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. SANTANDER Account XXXX : XXXX this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
I disputed accounts on my credit report that are involved in litigation. TransUnion Equifax Experian are reporting accounts that are involved in litigation as though they are accurate on my credit report. By the FCRA laws states that accounts involved in litigation should not be on my credit report.

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 2025-02-04 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: MI

Complaint narrative:
I disputed accounts on my credit report that are involved in litigation. TransUnion Equifax Experian are reporting accounts that are involved in litigation as though they are accurate on my credit report. By the FCRA laws states that accounts involved in litigation should not be on my credit report.

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 2025-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have issues concerning my principal balance and I wanted to find out more information from Shellpoint Mortgage Servicing. Shellpoint provides a customer service number on their statement which is fraudulent. Last week it was never available and this week, you were forced to connect to a promotion scam, and no matter how much I said I was not interested, they insisted in collecting information form me. Then they said at the end they would provide the loan servicing number, and gave me a number to XXXX XXXX. 

I tried to sign up online, and their system said it could not find my loan. 

It was only by googling Shellpoint that I was able to determine that they were part of NEW REZ and called NEWREZ customer service and I was able to speak with someone. 

They are using their customer service number to force their customers into accepting a " promotion '' that charges monthly. If you do not press the number to transfer to the promotion, the phone is disconnected. They will not transfer you to Shellpoint loan Servicing or provide you with a legitimate number if you tell them you are not interested in their promotion. 

This is an illegal scam and prevents people from being able to address legitimate concerns about their mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation