vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiries that appears on my credit report. The inquiry, listed as initiated by " XXXX '' on XXXX XXXX XXXX was not authorized by me. 
XXXX XXXX XXXX XXXX XXXX, was not authorized by me. 
XXXX XXXX on XXXX XXXX, was not authorized by me. 

Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry requires my explicit consent or must be made for a permissible purpose as outlined in 15 U.S.C. 1681b. I did not apply for credit or authorized to access my credit file.

I am requesting that you investigate this inquiry and provide documentation showing that I authorized it. If you are unable to verify my consent, I request the removal of this inquiry from my credit report.

Please complete your investigation and respond to me within the 30-day timeframe required by law. Additionally, I request a corrected copy of my credit report once the unauthorized inquiry is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADESA CORPORATION
State: GA

Complaint narrative:
In accordance false or misleading representation ParNorth America has deceptive or misleading representation or means in connection with the collection of any debt own Without limiting the general application of the foregoing the following conduct is a volation of this section ( 1 ) false representation or implication that the debt colletor is vouched for bonded by or affiliated with the United States or any State, including the use of any badge, uniform, or facesimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt : or ( B ) any services renderd or compensation which may be lawfully received by any debt collector for collection of a debt therefor im asking to be compensated and Stop the repossession according to section 15 USC 16811 and 15 USC 1681s-2.

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 — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate credit inquiries listed on my credit report. After thoroughly reviewing my report, I have identified inquiries that I did not authorize and believe they were made in error or without my consent.

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 filing a compliant against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a resonable investigation of disputes. Furthermore, Equifax '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. 2025-CFPBH-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with TransUnion for the unauthorized inquiry my information was in a data breach. No action has been taken by TransUnion to remove the unauthorized inquiry.. No Date filed 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
TO WHOM THIS MAY CONCERN : HI I'm XXXX and my cash app account was inaccurately discontinued in XXXXXXXX XXXX XXXX My cash app account email address was : XXXX and the cash tag was : XXXX Cash app closed my bank account without notice cause or reason. I've included the response from the company one of the many times I called highly concerned inquiring. I received again no explainable cause from Cash app. 

I missed receiving my XXXX dollar social security XXXX benefits because they closed my bank account inconsiderately. I went to the local office but nothing could have been done but wait until my check returned to social security from the closed bank account and the be processed for the new account VS. being able to cancel everything and proceed to new bank account immediately. I am still waiting to receive that payment Cash App. 

YES cash app was wrong for that! 

I'VE INCLUDED THE EMAIL CASH APP SENT ME RIGHT BEFORE DISCONTINUING MY ACCOUNT.

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: 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 or 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: 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: AR

Complaint narrative:
I wanted to know who they sent my personal information to without my permission and why were they being sued if they didn't do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Ive been a loyal American Express card owner for over 6 years now with over XXXX cards with them. Throughout the entirety of XX/XX/year>, my reward points with them has been continuously used by someone other than me on a card I cant see. My original card was seemingly compromised but that was quickly replaced on XX/XX/XXXX or XXXX when I realized someone had redeemed almost all of my points ( XXXX ) on physical gift cards. When I called AMEX, they were able to stop it and reverse it and had my account secured again by changing passwords and replacing with a new card. I thought my problems were over but then day after day, I would see my points get reduced on redemptions I didnt make. I called AMEX and they said they were putting these charges into a fraud case and so I waited. Pretty soon most of my points were once again gone and so I called AMEX to which they AGAIN returned my points and had me replace my card, account security, etc. I was really really hoping this would be the end of the problem but of course it wasnt. This time my points were used as a statement credit. At this time, my credit card statement hadnt even closed yet so I had no idea where the statement credit is being applied to. Once again, I called AMEX and they confirmed to me everything that was used was being used on my original card. I, as the cardholder, can not even see this original card and whats being done on it as I can only see my replaced card. For a THIRD time, AMEX replaced my card and had me change emails, change security questions, EVERYTHING was changed. Two hours later, all of the points I had worked so hard for over the years was yet again redeemed as statement credits, on the card I cant even see. At this point I am beyond infuriated and thinking this is more than just my account and that someone has access to a backend where they can see my original card and use rewards towards it. AMEX has failed to protect me as a customer and seemingly has a flaw somewhere in their system. My trust is broken after all this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the course of my loan since 2023, I have paid more than my monthly payment every month. I was told additional payments would go towards my principal but they never have been. Every time I reach out, they have another excuse. I was then told that Truist Bank has been applying my extra payment to 'future interest ''? It does not make sense to me how they explain it and it is a false narrative. How do you apply extra payments to future interest? My principal balance is not affected by my extra payments and strangely enough the monthly payment amount is different and my balance goes up? They refuse to apply extra mailed payments to the principal balance despite me requesting it. I have never had this issue with any other institution. They ignore my requests. Now they say that I have to go in person to one of their locations and request extra payment be applied to principal but only in person. Now they say that they will apply extra payments to my principal but ONLY if I give them access to my checking account and allow them to take money out directly from my account, they can apply extra payments to principal but do not explain how that will happen and when I refuse to give Truist access to my outside banking accounts, they say they can not help me. They continue to take my extra payments and my balance goes up? I want to file a complaint and have this institutions practices 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 2025-01-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have presented Experian with documentation to prove that the accounts below are fraudulent accounts and they refused to remove them. If this is not removed on this attempt I will use litigation to get results as I see that CFPB is currently suing Experian for this EXACT reason. 

The following accounts are pertaining to the reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Please remove the above accounts from my report because of this Identity theft. 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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than 4 business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report : Account Name : XXXX  XXXX Account Date : XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Date : XX/XX/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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 ti prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement sunder 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MD

Complaint narrative:
The company of True Accord continues to excessively contact me via phone calls, emails and text message. They communicate with me daily to collect a XXXX $ debt that I simply can not pay right now due to multiple factors. They reach out to me excessively, daily. I looked on their websites for ways I could resolve it but the only option is to pay in full which I am not able to currently do.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have credit inquiries from companies I did not authorize to pull my credit and it has lowered my credit score : XXXXXXXX XXXX XXXX  Date XX/XX/year> XXXXXXXX XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  Date XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date XX/XX/year>

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have credit inquiries from companies I did not authorize to pull my credit and it has lowered my credit score : XXXXXXXX XXXX XXXX Date XX/XX/year> XXXXXXXX XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  Date XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date XX/XX/year>

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 redressor these violations.

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: AR

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax disregarded my multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: LA

Complaint narrative:
2022 I purchased {$32.00} n XXXX  for a online game decided on selling XXXX  back to cashapp minutes later once I made the transfer the XXXX  was picked up by Block then it went into XXXX have not been able to retrieve any monies since XXXX All transactions are on my cashapp statement

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: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate practices which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested several times to have my personal information updated so that its accurate. I have provided proof to these companies that I was a victim of identity theft, I was a victim of several data breeches and provided documents multiple times. They still have yet to correct my information. My name is : XXXX XXXX My address : XXXX XXXX XXXX XXXX. XXXX, Ga. XXXX. Employer : 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested several times to have my personal information updated so that its accurate. I have provided proof to these companies that I was a victim of identity theft, I was a victim of several data breeches and provided documents multiple times. They still have yet to correct my information. My name is : XXXX XXXX My address : XXXX XXXX XXXX XXXX. XXXX, Ga. XXXX. Employer : XXXX

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: MD

Complaint narrative:
This complaint against XXXX is in reference to them failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, verifying the account as 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, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts for this complain are below : XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX Individual Account Number : XXXX Amount : {$1300.00} Collection Reported : XX/XX/year> The reason you disputed this item : This is not my collection. 
The results are : VERIFIED AS REPORTED XXXX  XXXX XXXX, XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX Balance as of XX/XX/year> : {$440.00} Collection Reported : XX/XX/year> XXXX XXXX XXXX  XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance as of XX/XX/year> : {$2400.00} Collection Reported : XX/XX/year> * I did not receive any correspondence for this dispute.

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