vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1900.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4000.00} U S DEPT OF ED/GSL/ATL XXXX Balance Owed : {$430.00}

Company response to consumer: Closed with explanation
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: CO

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 their error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account name XXXX XXXX XXXX Date opened XXXX/XXXX/2020 Balance {$9700.00} XXXX previously reported this dispute with Company experian and its still showing and I feel it was not properly investigated

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Regions Bank due to their failure to process my direct deposit in a timely manner, their refusal to provide transparency regarding my internal complaint, and their unwillingness to track the missing deposit using an ACH trace number. 

On Thursday, XX/XX/scrub> 2025, my employer processed payroll via XXXX XXXX, and on Friday, XX/XX/year>2025, my payroll deposit was officially sent via ACH transfer. Every other employee who was paid on the same payroll cycle has successfully received their depositexcept me. The only difference is that I bank with Regions Bank. 

I have verified multiple times that my employer used the correct routing and account number, and XXXX confirmed that the funds were successfully processed and sent. 

As of Monday, XX/XX/scrub> 2025, Regions Bank still has not posted or even shown a pending deposit for my payroll. This has created financial hardship, causing me to nearly miss my mortgage payment. 

Details of the Issue : Regions Bank refuses to acknowledge the missing deposit I have contacted their customer support multiple times and they are unable to provide any answers as to why my deposit is delayed. 
Support representatives only tell me to " check back later, '' which is not an acceptable response for a missing payroll deposit. 
Regions Bank refuses to use an ACH trace number When I requested that they track the payment using an ACH trace number, Regions explicitly stated that " they do not use ACH trace numbers for deposits into customer accounts. '' This is NOT standard banking practicean ACH trace number is the industry standard method for tracking direct deposits and missing payments. 
Their refusal to use this standard tool prevents me from resolving the issue and accessing my rightful funds. 
Regions Bank refuses to provide transparency on my internal complaint I requested that they provide me with a summary of the complaint filed on my behalf, including a resolution timeline. 
They refused to send me a copy or summary of the complaint and told me that it was for " internal use only. '' As a customer, I have the right to know the details of a complaint submitted on my behalf. 
Regions Bank processes overdraft fees instantly but delays ACH deposits Regions Bank charges overdraft fees on weekends, yet they refuse to process payroll deposits during weekends, even when the deposit was sent before the weekend. 
This inconsistency in processing times disproportionately harms customers and creates unnecessary financial distress.

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: Kikoff Inc.
State: IL

Complaint narrative:
Dear, I recently came across claims on social media stating that Kickoff could boost credit scores by XXXX points simply by establishing an account. However, this information was misleading. Instead of improving my credit, your company has negatively impacted my credit report with multiple late payment records, which has significantly decreased my credit score.

Given the harm caused, I request the following actions : Immediate removal of all late payment records from my credit report. 

I appreciate your prompt attention to this issue and look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on ther platform leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as the 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 want appropriate redress for these violations.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
So a lot of the things that was reported was fraud and its stoping me as a mother of 5 taking care of my kids. I have tried numerous of time to get those things 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 2025-02-04 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding my account with XXXX XXXX XXXX ( Account # XXXX ). The details reported by your bureau contain several errors that need to be corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 



Disputed Inaccuracies : XXXX. Incorrect Payment Status : Your records state that my account is 60 days past due with a past due balance of {$760.00}. However, Equifax correctly reports that the account is being paid as agreed with a {$0.00} past due balance. 

Correction Requested : Update my account status to reflect an accurate payment history and remove the incorrect past-due balance. 

XXXX. False Repossession Comments : TransUnion lists Repossession ; redeemed, and Equifax states Redeemed Repossession. However, this account was never officially repossessed or was fully reinstated without repossession. 

Correction Requested : Remove any reference to Repossession from the comments section. 

XXXX. Discrepancy in XXXX XXXX : My payment history contains inconsistencies across all three bureaus. While Experian marks some months as ( on-time ), TransUnion and Equifax mark XXXX months as ( late XXXX days ) when payments were actually made on time. 

Correction Requested : Ensure my payment history accurately reflects on-time payments across all reporting bureaus. 

XXXX. Inconsistent Reporting Dates : TransUnion and Experian list the Last Reported Date as XX/XX/year>, while Equifax lists it as XX/XX/year>. 

Correction Requested : Ensure the correct and uniform reporting date is reflected across all bureaus to prevent re-aging of this account.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding my account with XXXX XXXX XXXX ( Account # XXXX ). The details reported by your bureau contain several errors that need to be corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 



Disputed Inaccuracies : XXXX. Incorrect Payment Status : Your records state that my account is 60 days past due with a past due balance of {$760.00}. However, Equifax correctly reports that the account is being paid as agreed with a {$0.00} past due balance. 

Correction Requested : Update my account status to reflect an accurate payment history and remove the incorrect past-due balance. 

XXXX. False Repossession Comments : TransUnion lists Repossession ; redeemed, and Equifax states Redeemed Repossession. However, this account was never officially repossessed or was fully reinstated without repossession. 

Correction Requested : Remove any reference to Repossession from the comments section. 

XXXX. Discrepancy in XXXX XXXX : My payment history contains inconsistencies across all three bureaus. While Experian marks some months as ( on-time ), TransUnion and Equifax mark XXXX months as ( late XXXX days ) when payments were actually made on time. 

Correction Requested : Ensure my payment history accurately reflects on-time payments across all reporting bureaus. 

XXXX. Inconsistent Reporting Dates : TransUnion and Experian list the Last Reported Date as XX/XX/year>, while Equifax lists it as XX/XX/year>. 

Correction Requested : Ensure the correct and uniform reporting date is reflected across all bureaus to prevent re-aging of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I bank with SoFi bank and my account got restricted and when I asked for the reason they said the fraud department is working on it. It has been almost a month the report has not been done and my money has been locked out of me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Did work with Lexington Law for Credit repair for two years and was given false information was being overcharged and charged for extra not knowing for what from year 2022

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: 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the national data breach, reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debts. However, the information has not been provided due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling 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 affective 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 requirements E. these action 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: 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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: 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: TX

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and TransUnion 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, Equifax 's, Experian 's and Transunion '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, Experian and TransUnion complies with federal law and provides consumers with the necessary proof of investigations.

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: 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: TX

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and TransUnion 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, Equifax 's, Experian 's and Transunion '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, Experian and TransUnion complies with federal law and provides consumers with the necessary proof of investigations.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off account on my credit report. The account, associated with [ Creditor XX/XX/XXXX Transuione,XX/XX/XXXX ] and listed under account number [ Account Number ], reflects a charge-off of {$11000.00}, which I believe is inaccurate. 

After reviewing my credit report, I noticed that this account is still being reported, despite being charged off. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported on my credit file is accurate, complete, and verifiable. 

I am requesting that you investigate this matter and provide verification of the accuracy of this account. If the account can not be verified or corrected, I ask that it be removed from my credit report immediately. 

To assist with your investigation, I have included the following : A copy of my credit report highlighting the disputed account. 

Any relevant documentation regarding this charge-off. 


Please conduct your investigation and notify me of the outcome within 30 days, as required by law. I appreciate your attention to this matter and look forward to your response. 

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 2025-02-04 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: VA

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 charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Upon requesting a XX/XX/XXXX REPORT I encountered ghost transactions sent through out the years of XXXX, XXXX, and XXXX for numerous amounts. Some statements are frozen and can not be viewed via the banking site and seem to be blocked. The statements that are viewable do not show the ghost transactions that were processed through theXX/XX/XXXXreport.

Company response to consumer: Closed with explanation