vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: VA

Complaint narrative:
This complaint addresses violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Privacy Act of 1974 ( 5 U.S.C. 552a ), 15 U.S.C. 6802, 12 CFR 313.7, 16 CFR 433.1-3, and other consumer protection laws by XXXX XXXX XXXX XXXX  and associated Credit Reporting Agencies ( CRAs ) : Experian, XXXX, and XXXX. This complaint also raises concerns regarding retaliation and threats by XXXX XXXX XXXX executive office in response to my lawful disputes. 

Key Violations and Applicable Laws 1. Unauthorized Reporting ( FCRA, 15 U.S.C. 1681 ) : 15 U.S.C. 1681b : Reporting personal financial information to CRAs without explicit written authorization is unlawful. 
15 U.S.C. 1681c : Reporting irrelevant or excessive information, such as transaction history unrelated to active accounts, is prohibited. 
15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy in the information provided by furnishers. 
2. Violation of Privacy Rights ( 15 U.S.C. 6802 and 12 CFR 313.7 ) : 15 U.S.C. 6802 : XXXX XXXX XXXX failed to provide opt-out mechanisms for sharing my nonpublic personal information. 
12 CFR 313.7 : Financial institutions must provide a clear and conspicuous opt-out notice before sharing consumer information with nonaffiliated third parties. XXXX XXXX  failed to comply with this requirement. 
3. Privacy Act of 1974 ( 5 U.S.C. 552a ) : XXXX XXXX  and associated CRAs disclosed excessive personal information, including previous addresses, transaction history, and irrelevant details, without authorization. 
4. Certificates of Indebtedness ( 16 CFR 433.1-3 ) : Reporting charge-offs or similar items constitutes unlawful reporting of certificates of indebtedness or income, which is not legally permissible. 
5. Retaliation and Threats ( 15 U.S.C. 1692d ) : Retaliatory actions and threats by XXXX executive office violate federal consumer protection laws. Harassment, coercion, or obstructing my legal rights is prohibited under federal law. 
6. Civil Liability for Noncompliance ( 15 U.S.C. 1681n ) : Chases willful noncompliance entitles me to statutory damages of {$1000.00} per violation per CRA for unauthorized reporting and disclosures. 

Concerns Regarding Retaliation XXXX XXXX XXXX executive office has allegedly engaged in retaliatory actions, including : Attempts to coerce or intimidate me into withdrawing legitimate disputes. 
Harassment or verbal threats regarding my accounts and credit standing. 
Obstructing my ability to exercise my rights as a consumer under federal law. 

These actions are not only unethical but illegal under 15 U.S.C. 1692d and other consumer protection statutes.

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
When I signed up for the bank account, I was told by the branch manager that I did not have to worry about overdraft fees because they will be declined. Did I want to app out? I told her no I kept the decline option on my account so that I did not have to worry about overdraft fees. I noticed that they would overdraft my account by allowing transactions to go through that was authorize through ACH or through my bank account information directly, and not my debit card, which was never explained to me to begin with. I made sure that I only process transactions when I had funds in there When I looked into the bank account there were funds, and then they will wait until my funds were low to run other transactions that came out via ACH. 
When I went to pay back the overdraft amount, I was not able to pay them all at once. Within a few days later they charge me extra fees on the same overdraft transactions that they shouldve declined to begin with I was I was charged multiple times for one transaction whether it was the {$36.00} or whatever the fee amount was and then an additional {$15.00} if it took me too long to pay, they kept on adding fees on which made it impossible for me to make sure my account was ever current. This was not my main account. This was my account only for bills. I used a different account for day-to-day transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CORELOGIC INC
State: FL

Complaint narrative:
I am filing a complaint against Corelogics for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Corelogics consistently responds within 24 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, Corelogics 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 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, Corelogics actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the C
FPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure the account is accurate, without providing any evidence of a thorough 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 explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the electronic funds transfer act as it requires timely access to funds. This situation, raises concerns about consumer protection law and I request your assistance in investigating this matter to ensure my rights are being upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Payments have been taken from me without permission. Also, havent gotten payments back.

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 2025-01-18 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. Due to this, my daughters entire XXXX XXXX  check was taken from her cash app account fraudulently! I explained how a hacker got into the cash app, took my phone number, email address & my device from my account, while adding all their information & wiping my account clean! I provided all their screenshots that Ive provided to this dispute as well! 
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. Ive filed a couple of disputes which all came back denied and without my daughters XXXX XXXX funds being refunded to her! These actions have caused significant inconvenience and financial loss, including bills past due, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
identify you and your account. 
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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which my violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally address your failure to fulfill your legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite providing evidence to support my disputes, you have left inaccurate or unverifiable accounts unresolved, which continues to harm my credit standing. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues including : Failure to forward consumer-provided evidence to furnishers. 
Acceptance of unreliable responses from data furnishers. 
Failure to adequately notify consumers of dispute outcomes. 

These allegations align with my experience. Experian has failed to correct or remove disputed items on my report, disregarding the evidence I provided. This inaction is a direct violation of federal law and my rights as a consumer. 

I am requesting immediate corrective action to remove or amend the disputed accounts. The only accounts that should remain on my credit report are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Please treat this as a matter of urgency and provide written confirmation of your resolution. If this issue remains unresolved, I will escalate the matter to the CFPB and other relevant authorities. 

Thank you for your prompt attention.

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 2025-01-18 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request your assistance in addressing an issue related to an account reported by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2016, and is currently being reported on my credit profile. I believe this account is inaccurate, and I am requesting its immediate removal from all three major credit reporting agenciesXXXX, XXXX, and TransUnion. 

The primary reason for my request is that I was not of legal age at the time the account was opened. As I was under the age required by law to enter into such agreements, this account should not have been established in my name. Furthermore, despite my attempts to resolve this issue directly with XXXX XXXX XXXX, they have refused to remove the account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be both accurate and timely. Since this account does not meet these standards, it constitutes a violation of the FCRA, which requires that any outdated or incorrect information be promptly corrected or removed. 

Additionally, as per the FCRAs seven-year rule, accounts should be removed from credit reports after seven years. As the account was opened in XX/XX/2016, it has now been more than seven years, and should no longer be reported.

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 2025-01-18 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request your assistance in addressing an issue related to an account reported by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2016, and is currently being reported on my credit profile. I believe this account is inaccurate, and I am requesting its immediate removal from all three major credit reporting agenciesEquifax, XXXX, and XXXX. 

The primary reason for my request is that I was not of legal age at the time the account was opened. As I was under the age required by law to enter into such agreements, this account should not have been established in my name. Furthermore, despite my attempts to resolve this issue directly with XXXX XXXX XXXX, they have refused to remove the account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be both accurate and timely. Since this account does not meet these standards, it constitutes a violation of the FCRA, which requires that any outdated or incorrect information be promptly corrected or removed. 

Additionally, as per the FCRAs seven-year rule, accounts should be removed from credit reports after seven years. As the account was opened in XX/XX/2016, it has now been more than seven years, and should no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive complain and complied with Equifax every request and we came to an agreement and after taking my documents into consideration they removed the account XXXX, for {$5300.00} which is a fraudulent account on my credit report which was removed and blocked but its now back on my credit report and no one can tell me nothing or want to remove it again. I keep getting people with accents and escalated to someone else then to someone else then eventually they hang up in my face leaving me to call over and over just to have this one account removed and blocked permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 account. 
( 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX. I received an email from Capital One stating that on XX/XX/XXXX that theyre experience issues with customer is not able to get their paychecks their deposits transferring paying ACH fees, bill XXXX pay etc.. My thing is had they told her customers right away. I couldve made arrangements to have my paycheck into another bank, so I wouldnt have to be dealing with Miss payments. A thing on my credit score for not having on time payments on my record. and not only did I call capital one New more his times and put it in my for information. And as soon as I put in my information, about five times. I was hung up on all five times. No clarity was given no information was given, no solutions were given. Im out of money. I cant pay my bills. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
At closing on XX/XX/year> my CD reflected a payment of {$4100.00}. As of today, the mortgage company is showing a payment of {$4800.00} which is more than {$700.00} over what what was disclosed. 
Instead of using the escrow of {$950.00} per month given at closing, the mortgage company wants to collect escrow of XXXX Their MONTHLY breakdown is as follows : Insurance : {$200.00} City tax : $ XXXX XXXX tax : {$910.00} In 2024, the XXXX XXXX taxes for XXXX XXXX XXXX were $ XXXX and they want to collect {$910.00}???!!! 
This is nearly double the amount they can be collecting. Based on my research, the mortgage company can collect the actual taxes plus a XXXX cushion. My 2024 tax bill is also under appeal and I expect the value to be lowered thus they will be over collecting by approximately {$7000.00}. I have contacted the mortgage company about this and they tell me there is nothing they can do. The most recent person I spoke with told me her name was XXXX from the " XXXX department '' and I used the number XXXX to speak with XXXX Customer Service who told me I needed to be working with the XXXX Department. 
NOTE : There is already {$2800.00} in the escrow account as of XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I attempted to access my TransUnion credit report and credit score multiple times, making at least 20 attempts within 24 hours but, I was unable to retrieve my data. This inability to access my information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, TransUnion is required to provide secure online access to my credit data while verifying my identity and safeguarding my information against unauthorized access. The failure to grant me access to my credit report and score denies me the ability to review and dispute any potential inaccuracies, which is a fundamental right guaranteed by law. I am filing this grievance with the Consumer Financial Protection Bureau ( CFPB ) to seek redress for this issue and to ensure compliance with FCRA requirements.

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