vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
I can look for everything in my email but right now I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach. As a result, I request that all accounts associated with my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ). 



XXXX  XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 2025-01-26 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: NY

Complaint narrative:
I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 
Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

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 2025-01-26 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 writing to formally dispute inaccurate and fraudulent information appearing on my credit reports issued by Equifax in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This account was previously identified as fraudulent and was removed from my credit reports in or around XX/XX/year>. However, it appears that the information has been reinserted or is still being reported inaccurately, causing undue harm to my credit standing. As this account was the result of identity theft, it should not be reported on my credit file under any circumstances. 

I have taken the following steps to resolve this issue : Notified bureaus of the fraudulent nature of the account. 

Provided documentation supporting my claim of identity theft, including a police report and relevant correspondence from XX/XX/year> confirming the accounts removal. 

Submitted additional evidence to demonstrate that I was not responsible for the account. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), the reinsertion of previously disputed and removed information requires that the furnisher provide certified documentation of its accuracy, which I believe has not been provided in this case. I respectfully request that the CFPB investigate the reporting of this account and ensure that the credit bureaus comply with their obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Noncompliance Under 15 U.S. Code 1681o Dear CFPB I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). The disputed items are outlined below : Disputed Items : XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance ( {$690.00} ) XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance and account information ( {$890.00} ) XXXX XXXX XXXX XX/XX/XXXX Incorrect account / fraud Under 15 U.S. Code 1681o, credit reporting agencies are liable for negligent noncompliance with FCRA requirements. By law, you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days of receiving notice. I believe that your failure to maintain accurate records and address prior disputes demonstrates negligence, as described under this statute. 

To address this matter and avoid potential legal consequences, I am requesting : A full investigation into the accuracy of the disputed items. 
A copy of your findings, including the specific steps taken during the investigation. 
Removal or correction of the inaccurate information. 
Attached, you will find copies of documents supporting my dispute, including [ list attached items like a copy of your credit report with highlighted errors, billing statements, etc. ]. 

If you fail to comply with this request or provide a satisfactory resolution, I reserve the right to pursue all remedies available under 15 U.S. Code 1681o, which includes seeking damages and attorney fees. 

Please provide written confirmation of your receipt of this letter and your investigation results within 30 days, as required by law. You can send your response to my address listed above or contact me directly XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, 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 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Noncompliance Under 15 U.S. Code 1681o Dear CFPB I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). The disputed items are outlined below : Disputed Items : XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance ( {$690.00} ) XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance and account information ( {$890.00} ) Portforlio Recovery A XX/XX/XXXX Incorrect account / fraud Under 15 U.S. Code 1681o, credit reporting agencies are liable for negligent noncompliance with FCRA requirements. By law, you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days of receiving notice. I believe that your failure to maintain accurate records and address prior disputes demonstrates negligence, as described under this statute. 

To address this matter and avoid potential legal consequences, I am requesting : A full investigation into the accuracy of the disputed items. 
A copy of your findings, including the specific steps taken during the investigation. 
Removal or correction of the inaccurate information. 
Attached, you will find copies of documents supporting my dispute, including [ list attached items like a copy of your credit report with highlighted errors, billing statements, etc. ]. 

If you fail to comply with this request or provide a satisfactory resolution, I reserve the right to pursue all remedies available under 15 U.S. Code 1681o, which includes seeking damages and attorney fees. 

Please provide written confirmation of your receipt of this letter and your investigation results within 30 days, as required by law. You can send your response to my address listed above or contact me directly XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, 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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I recently opened an account with CitiBank after hearing great things about the institution. However, my experience has been nothing short of disappointing. From the very beginning, I encountered misinformation and a shocking lack of training among the agents. The inconsistency in responses between agents and supervisors is truly astounding, and it highlights a troubling lack of understandingor worse, a complete disregardfor customer concerns. 

As someone who works in customer service for both business and government sectors, I can confidently say that the service Ive received from CitiBank falls far below acceptable standards. Being lied to about money is completely unacceptable, and experiencing this level of service within just a month of opening my account is beyond frustrating. 

I chose to open a Citi account based on its reputation, not for a sign-up bonus or any other incentive. I believed I was choosing a financial institution that would protect my funds and help me rebuild my credit, especially after my previous bank failed to protect me from {$3000.00} in fraud. Unfortunately, the interactions Ive had with Citi employees, from agents to supervisors, have left me with no trust that Citi has my best interests at heart. 

The false sympathies and empty apologies Ive received from every representative Ive spoken to are unacceptable. In my company, such behavior would result in immediate accountability, not continued employment. Once my card arrives, I fully intend to withdraw all my funds and close this account. I can not bank with an institution whose employees lack adequate training, professionalism, and basic decency.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My default payment method on Paypal has always been credit cards. I have a bank account on file for use only for PayPal payouts. 

I have an automated monthly payment of {$9.00} with Paypal that's set to use a credit card. It was set up on XX/XX/XXXX. All payments from XX/XX/XXXX, to XX/XX/XXXX were made correctly to the card on file. 

On XX/XX/XXXX, Paypal began to charge my bank account on file for these automated payments. 

In addition, Paypal charged another recurring payment on XX/XX/XXXX to the bank account on file, despite that payment always using the credit card on file. 

All other payments during this time period were correctly charged to the default payment method on file. 

I logged into the website on XX/XX/XXXX to verify my payment method. It showed that it was correctly set to the credit card on file. 

Upon contacting Paypal over the phone on XX/XX/XXXX, asking about why these transactions were charged incorrectly, I was told that I had changed the default payment method. When I asked if they could tell me when and who, the agent just insisted I had made those changed because that's what the transaction said it used. The agent was unable to tell me when and how the change was made, and said they could not correct it. When I asked to record the call, the agent started pretending that the call was disconnecting and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
That was reporting all of my accounts incorrectly and used my information to do other things with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: VA

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 seven 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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Experian. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I believe someone has tried opening these accounts in my name and I was advised to file a complaint to get these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX and Navy Federal Credit Union ( NFCU ) for the ongoing and unresolved issue regarding the restriction of my XXXX XXXX access. This situation has caused unnecessary frustration and inconvenience due to both companies ' refusal to resolve a dispute fairly and effectively. 

Background The Dispute : I initiated a dispute with Navy Federal regarding a transaction. Upon realizing the situation, I promptly attempted to close the dispute and repay the amount in question. However, Navy Federal refused to allow me to take this course of action, insisting instead on classifying the matter as frauddespite my clear communication that it was a dispute, not fraud. 

Documentation Provided : I have documented this situation thoroughly in my Navy Federal app, and I provided all relevant documentation to XXXX. Despite this, XXXX has continued to restrict my XXXX XXXX access, citing the unresolved dispute as the reason. 

Attempts to Resolve : I have made multiple efforts to resolve this matter, including reaching out to both Navy Federal and XXXX. Unfortunately, my attempts have been ignored, mishandled, or dismissed. As a result, I am now facing consequences due to mistakes made by these companies, which is entirely unfair and unacceptable. 

Issues Raised XXXX 's Restriction of XXXX  XXXX  Access : XXXX  refusal to re-enable my XXXX XXXX  access after receiving all necessary documentation is both unreasonable and punitive. 
This restriction has significantly impacted my ability to conduct everyday financial transactions. 
Navy Federals Mishandling of the Dispute : Navy Federal misclassified the dispute as fraud against my explicit clarification that it was a dispute. 
Navy Federal failed to provide me with an opportunity to close the dispute and repay the amount, despite my willingness to resolve the matter in good faith. 
Unfair Consumer Treatment : The combined actions of XXXX and Navy Federal have placed an undue burden on me, the consumer. These errors have caused significant stress and inconvenience, while both companies refuse to acknowledge their responsibility or provide an appropriate resolution. 
Desired Resolution To resolve this matter, I am requesting the following : XXXX : Immediately reinstate my XXXX XXXX access. 
Navy Federal : Accurately classify the matter as a dispute ( not fraud ) and provide me with the opportunity to resolve it by repaying the disputed amount. 
Both Parties : Implement better communication and processes to prevent such issues from recurring for other customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am writing to file 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 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Capitol Loans
State: OK

Complaint narrative:
Repeated harassing calls to my references regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I have had nothing but problems with cash app. Every single card I have had from them has been hacked into and money used and they never do anything about it. I have been getting charged for 2 months from a company called XXXX XXXX XXXX XXXX XXXX. One transaction on XXXX XXXX for {$1.00}, another transaction was made on XX/XX/XXXX for {$30.00}, another transaction after blocking the business was for {$29.00} on XX/XX/XXXX, another one was made on XX/XX/year> for {$29.00}, another one on XXXX XXXX for {$29.00}, another one on XX/XX/XXXX for {$29.00}. But the rest of those from XXXXXXXX XXXX XXXX XXXX luckily were declined bc i locked my cardI 've also had transactions made on XXXX XXXX  that I didn't make as well the first one is on XX/XX/year> for {$16.00}, another one on the same day for {$16.00}, and another one that was made that evening for {$16.00} and {$32.00}. And cash app doesn't stop them. And I can't get a new card bc im supposed to be going out of town XXXX XXXX XXXX and I need that card bc that's the one on file for my hotel room and my bus ticket. So I can't just cancel it. I want my money back. I qualified for the last law suit, but cash app never sent me the thing to file. I am tired of their lack of security and not doing anything about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
XXXX XXXX has obsolete inaccuracies on my report such as Last Verified Date of last activity Date reported Date opened With 2 late payments.

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