vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
I want to file a complaint against Equifax credit bureau due to them reporting inaccurate information on my account repeatedly! I have spoken with the original creditor which is XXXX XXXX XXXXXXXX in which they have confirmed I no longer owe on this account and the account is XXXX balance! XXXXXXXX XXXX XXXXXXXX also stated that they have reported this XXXX balance to equifax and also sent me a letter detailing the information, they also stated that they sent Equifax a several letters on my behalf. XXXXXXXX XXXX XXXXXXXX let me know that they have experienced this same situation with 2 different clients and equifax! I would like this removed from my report as it has dropped my score XXXX points due to Equifax removing the account then adding it back and refusing to investigate the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I am seeking your assistance in investigating accounts from these companies that are inaccurately reporting late payments. After reviewing my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Agency ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased some appliances from XXXX for {$9400.00} using my Venmo Visa Credit Card, issued by Synchrony Bank. The order was canceled, and XXXX stated that they would refund the entire amount back to my original payment method. 

However, I never received the refund. After waiting and reviewing my card statements, I contacted Synchrony Bank to dispute the transaction. Synchrony Bank delayed action on my dispute for approximately seven months. Eventually, Synchrony Bank informed me that the refund had supposedly been processed to a card ending in digits that I do not recognizecertainly not my Venmo Visa Credit Card or any other card in my name.

I requested that Synchrony Bank provide further information about whose card received the refund, but they said they did not know and closed the dispute. I still have not received the {$9400.00} refund in any of my accounts. Despite contacting both XXXX and Synchrony Bank multiple times, I have not been able to resolve this issue or locate my funds.

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 2025-01-24 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 file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of change and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with in balance despite initially available funds. I believe these practices are unfair and request investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-24 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I have disputed the attempt to collect on a cellular bill that XXXX allegedly stated that owed from XXXX of XXXX. I move my cellular service toXXXX XXXX XXXX I ported my cellular number that I still and my watch as well. I disputed the collection on XXXX XXXX in XXXX and it was deleted then XXXX XXXX sold it to other entity, and they went to XXXX in XXXX XXXX and now pop up on my file today, XX/XX/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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
i need your help in a serious matter regarding my credit report. After reviewing my credit, i noticed the agency DRS is reporting inaccurate information that is damaging my credit report. XX/XX/scrub>/2025 was there last report date of the amount of {$820.00} I've contacted this company to provide me with the documents that this report belongs to me but every time i do they either hang up on me or say they will email me which i never receive anything. Please help resolve this issue as it is affecting my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-24 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: NC

Complaint narrative:
recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
Transunion has reported my personal information without my permission. Transunion brought and or saying/trading my personal information violating my consumer right 15USC 1681. These third party LLC like transunion did not receive my permission or consent to report any of my personal information for monetary gain. I will pursue legal action in court if Transunion does not remove and all information related to my personal data. It is defamation against my character and is a direct result of me being able to have the fairness I deserve, all loans, credit card information, hard inquiries or collections should be removed immediately as to the law 15USC 1681. Please respond to this issue as soon as possible. Congress does not give transunion the right to violate my personal information.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have received multiple calls on my cell and at work threatening to freeze my bank account from XXXX. However, I have never received any correspondence verifying my debt. I am at work when calls are received an am unable to take calls. Yet, that is the only form of contact from XXXX. I have not received anything via mail or via email.

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 2025-01-24 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: GA

Complaint narrative:
My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit bureau failed to verify information and provide me results of investigation.

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 2025-01-24 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:
My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureau failed to verify information and provide me results of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B. As shown on XXXX, Experian and XXXX has knowingly reported false and wrong information and it's ILLEGAL and must 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 explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds with the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal, and similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my experience with Capital One. I am filing a complaint against Capital One regarding their deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented their 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for myself and many others, breaching both the Consumer Financial Protection Act and the Truth in Savings Act. I am seeking redress for these misleading practices and their failure to fulfill their obligations to customers. I am requesting that the CFPB investigate this matter and take appropriate action to ensure such deceptive practices are addressed and that affected customers receive proper compensation for their losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: VW Credit
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws. 

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission. 
Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report. 
A lack of proper response to my repeated requests for item removal and verification of agreement. 
Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts. 

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting. 

I am requesting the CFPB to : Conduct a full investigation into this matter. 
Ensure that the fraudulent items and incorrect information are removed from my credit report promptly. 
Hold the credit bureaus accountable for their failure to adhere to consumer protection laws. 
Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed. 

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

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 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation