vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX knowingly works with scam online retailers. They lock you in to a loan set up against a debit card ( not credit card ) and attempt to take payment for goods that are never shipped or received. They only provide a web contact form to resolve issues. 

XXXX responded to my complaint by stating that the XXXX Loan Agreement outlines that merchants are responsible for the delivery of goods and issuing any refunds owed back to the designated XXXX account. Merchants take full ownership of their shipment, return, and refund policies. Until the merchant issues a refund to XXXX, the customers payment schedule remains in place according to the agreement. For additional information on the XXXX Loan Agreement, follow this link XXXX XXXX XXXX XXXX. XXXX does not provide information to the consumer reporting agencies. Therefore, there is nothing to dispute or correct on the customer 's credit report from XXXX since there is no tradeline. 

I am rejecting this response because : the merchant in question does not exist and is a known scam website. The loan was not made in good faith. No resolution with a non existing merchant is possible. The claim that there will be no impact to credit is not factual as XXXX 's terms include forwarding to collections for non repayment of loans. No payments have been made yet and XXXX has the option to cancel payments to the fraudulent merchant. The CFPB proposed rules last year guaranteeing consumer rights in these types of predatory scams and loans. 

XXXX XXXX XXXXwww.consumerfinance.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 collected. In spite of having sufficient funds when transactions were authorized, I was charged fees due to the lagging post 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 2025-02-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I placed an order online in XXXX XXXX and never received the order, I received a tracking number and drove 60 miles to XXXX XXXX XXXXXXXX XXXX XXXX but they indicated no receipt of the package and stated it was on hold in another city ( XXXXXXXX XXXX XXXX  I then contacted that office, and was advised that package was in XXXXXXXX XXXX XXXX then made contact back to customer service at XXXX XXXX and I was advised package must be lost they advised me to file a loss package claim directly with XXXX Which I did not because I have paperwork in writing indicating no receipt of the package in either location, I then reached back to XXXX XXXX XXXX advised they would get their investigation team involved and would know something within 24-48 hours I never heard back from XXXX XXXX I made another call back to them on Fri XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and each time I spoke to them their system indicated calls are recorded I asked them to pull up said recorded previous conversations at no time was that possible they advised they would reopen their lost package case and further investigate. then XXXX XXXX replied the order may be attached to a different email address in the same letter they stated we would talk soon. I then requested a refund and for them to withdraw the late notices they sent to credit bureaus. to no avail, it was reported on my credit negatively and I never received a package since this reporting has dropped my credit score by XXXX XXXX  the next time I spoke with them we reached an agreement to settle for {$15.00} which I sent to them in XXXX via check, they stated they issued a credit to my account I checked still no credit to my bank account or XXXX XXXX and still no package ever arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
I have reported to First National Bank of Omaha that I havent received my online statements since XXXX. I rely on email delivery as Ive opted out of paper statements and this is how I know when I have a payment due. Ive checked SPAM and all folders and Ive not received my statements.

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 2025-02-11 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally dispute the civil liability under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) as outlined in your correspondence regarding the claim or alleged violation of the FCRA. After reviewing the details provided and my own records, I believe that there may have been an error or misunderstanding concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Jefferson Capital for an old XXXX XXXX I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXXXXXX XXXX I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXXXXXX XXXX instructions I returned all the equipment. To date, I have not received a call, text, or email stating that there was an outstanding balance. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am completely frustrated and disappointed with the continued errors on my report. These mistakes are lowering my score and preventing me from securing important financial opportunities. I should not have to deal with this over and over againit is completely unfair.

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase has been employing a tactic in an attempt to circumvent the FDCPA by calling from several different numbers from a few different area codes. However, it appears that they only have a certain limit of call-from numbers because they continually cycle through these numbers. Because I am a lawyer, I have retained a complete record of every call from each phone number ( all dated ), which JP Morgan Chase has used. They call approximately XXXX per hour every single day including weekends. This is a blatant violation of the FDCPA. and must be addressed swiftly. 
Some of their most frequently used numbers are as follows : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: SC

Complaint narrative:
The following accounts are not mine and are unauthorized. The listed accounts were open with out my consent XXXXXXXX XXXX XXXXXXXX... ..Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-12 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: SC

Complaint narrative:
The following accounts are not mine and are unauthorized. The listed accounts were open with out my consent XXXXXXXX XXXX XXXXXXXX... ..Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I want all the credit inquiries on my credit taken out as this had no express authorization from me and now its hindering me from making important use of my credit and destroying my credit. Please kindly erase all the inquiries on my report. 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 2025-02-11 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: GA

Complaint narrative:
Company Information ( Furnisher of Disputed Information ) Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX Details of the Complaint I am filing this complaint regarding inaccurate, misleading, and unverifiable information reported on my credit file by XXXX XXXX and the credit reporting agencies ( XXXX, TransUnion, and XXXX ). The account in question is a charged-off account ( XXXX ) that is improperly affecting my credit profile and violates multiple federal consumer protection laws. 
1. Fair Credit Reporting Act ( FCRA ) Violations ( XXXX U.S.C. XXXX et seq. ) - Failure to Maintain Accuracy ( FCRA XXXX ( b ) ) - Failure to Properly Investigate ( FCRA XXXX ( b ) ) - Unauthorized Furnishing of Consumer Report Information ( XXXX U.S.C. XXXX, Section XXXX ( a ) ( 2 ) ) 2. Truth in Lending Act ( TILA ) Violation ( XXXX U.S.C. XXXX ) - Billing disputes must be resolved within two billing cycles ( not exceeding 90 days ). 
- This charge-off has remained on my credit report well beyond the legally allowed timeframe. 
3. IRS & Treasury Regulation Violation ( XXXX CFR XXXX-1 ) - When a creditor cancels a debt of {$600.00} or more, they must issue a 1099-C Cancellation of Debt form. 
- If this charge-off was reported as a loss for tax purposes, it must be removed from my credit report. 
4. Gramm-Leach-Bliley Act ( GLBA ) Violations ( XXXX U.S.C. XXXX ) - Failure to Protect Consumer Financial Privacy ( XXXX U.S.C. XXXX ). 
- Improper Disclosure of Personal Information ( XXXX U.S.C. XXXX ). 
- Failure to Provide a Privacy Notice ( XXXX U.S.C. XXXX ). 
XXXX. FTC Holder Rule Violations ( XXXX CFR XXXX & XXXX CFR XXXX ) - Preservation of Consumer Defenses ( XXXX CFR XXXX ) prohibits lenders from enforcing payment of a disputed debt. 
- Unfair and Deceptive XXXX Practices ( XXXX CFR XXXX ) misrepresenting the legal status of a debt. 
6. Privacy Act of 1974 Violation ( XXXX U.S.C. XXXX ) - Unauthorized sharing of consumer financial records. 
- Failure to demonstrate a valid, legal reason for retaining this data after dispute. 
7. Metro 2 & E-OSCAR Compliance Violations - Failure to correct these errors after a dispute suggests non-compliance with dispute verification requirements. 
8. Misrepresentation of Debt Status ( FDCPA XXXX ) - A charge-off is a Certificate of Indebtedness, meaning it must be removed. 
- The continued reporting of this charge-off is deceptive and misleading.

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