vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.

Complaint narrative:
I disputed a transaction for my son 's Cash App account. Cash App calls my son 's account a sponsorship account because its connected to my Cash App account. We ordered clothing items from a website called XXXX on XX/XX/year> but we never received the items. On the statement the transaction appeared as " XXXX XXXX '' which was I found odd from the beginning. When inquired with the website 's customer support they sent my son fake shipment information, that's when I knew the website was fake. I've disputed this transaction three times of which Cash App has denied the dispute. One of the disputes was submitted XX/XX/year>, I provided documentation of the transaction, the inquiry to the websites support and the email of them sending us fake shipment tracking information. I received an email from Cash App on XX/XX/year> stating that the dispute was denied. On XX/XX/year> I requested that they send me whatever documents they used to make the denial determination. They responded stating that there wasn't such dispute submitted so they couldn't send me anything. I just want the {$33.00} refunded back to his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: MN

Complaint narrative:
In XXXX I bought a tractor from XXXX and financed it interest free my credit score from ( Trans Union ) was XXXX and excellent. after I bought it my credit score went down XXXX points bringing my score to good. now over a year later making payments on time and never missing a payment my score has only gone up XXXX points.

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 2025-02-28 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: MO

Complaint narrative:
Experian and Equifax credit agencies have using faulty software that does not comply with the FCRA requirements and standards even free the fact that I submitted additional supporting documentation that information that they were reporting was fraudulent and incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-02-28 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 explanation
Consumer complaint received 2025-02-28 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: NC

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 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>2025 I called and paid the balance off on this card. They have now charged XXXX late fees after this payoff and will not budge. This is Comedity XXXX XXXX Card. Ive called them five times and they wont remove these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
IN XX/XX/ I ENTERED INTO A SETTLEMENT WITH NATIONAL ENTERPRISE SYSTEMS AND PAID THE AGREED UPON AGREEMENT IN FULL. ENTERPRISE HAS YET TO REMOVE DEBT FROM MY VREDIT REPORTS. I HAVE E-MAILED THEM ( XXXX XXXX AND XXXX XXXX ) SEVERAL TIMES I ALSO CALLED VARIOUS TIMES @ XXXX, EXT. XXXX AND THEY PROMISED TO HAVE DEBT REMOVED. TILL NO ACTION ON THEIR PART. 


NES Account Number : XXXX EE ATTACHED LETTER.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBK, Inc.
State: KS

Complaint narrative:
I had a traffic ticket of XXXX dollars when I went to pay they said I had to pay collections instead of paying them direct I speak with XXXX collection she tells me it's XXXX dollars I asked why because I have to pay XXXX for collecting the debt then I asked for documents that I agreed to for XXXX to collect my debt she said no they don't give out those statements so now the have offset my state check and tells me they don't know when I'll receive the rest and she said until they received the offset payment XXXX will continue to charge me late fees that's not coming from the XXXX XXXX XXXX XXXX there coming from the collection agency how can they charge me anything if I have no contact with XXXX they are stealing consumers money the rep also stated that what they doing is legal and they don't need my signature nor contract with them to take my money and keep accumulated late fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
Sham investigation are not accepted and won, t be tolerated under 15 U.S.C & 1681 ( a ) & ( 5 ) I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquires list below. informal a complaint with CFPB, FTC and legal action for damages under 15 U.S.C. & 1681n and 1681o

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 2025-02-28 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: FL

Complaint narrative:
Sham investigation are not accepted and won, t be tolerated under 15 U.S.C & 1681 ( a ) & ( 5 ) I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquires list below. informal a complaint with CFPB, FTC and legal action for damages under 15 U.S.C. & 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
I wrote a letter about unauthorized inquiries on my credit report, and more than XXXX XXXX later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within XXXX XXXXs is cause for immediate removal of all those inquiries from my credit report ; given that it has been more than XXXX XXXX, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2025-02-28 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Ive been trying to get this account removed off my credit report and will like for you to assist me in this matter by making sure the laws are being enforced, specifically 15 U.S. code 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
In XXXX of 2024 I was the victim of a scam that I, unfortunately, fell for. I filled a police report and was told that the same scam was perpetrated on others in this area as well. The scam ended up in a {$2900.00} charge on my Apple Card managed by Goldman Sachss. I disputed the charge and provided the police report to Goldman Sachs but they just put the charge back on my account saying that there was no evidence. They have the police report. Ive been going around and around with Goldman Sachs for almost a year now on this matter - disputing the charge repeatedly. Today they out the charge back on my account. 

I note that Goldman Sachs was supposedly fined {$100.00} XXXX dollars by the federal against for improper handling of fraudulent charges and they were banned from issuing any more creasing cards. I can see why they were fined but apparently they didnt learn their lesson. The article about this can be found at this URL : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, THE CONSUMER AND NATURAL PERSON DO HEREBY SEND YOU THIS NOTICE TO INFORM YOU OF ENTRIES APPEARING ON MY CONSUMER REPORT THAT SHOULD NOT BE THERE. I DID NOT GIVE ANYONE WRITTEN OR VERBAL CONSENT FOR THE IDENTIFIED TRANSACTION TO BE REPORTED ON MY CONSUMER REPORT. I'M REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR, NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT BY ME RELEVANT TO REQUEST TO BLOCK THE IDENTIFIED TRANSACTION. THE IDENTIFIED TRANSACTION ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS A CONSUMER : 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 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 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I fell victim to purchasing a product on XXXX, which turned out to be a scam. I believe the hacker took my information and debit card information and, in turn, opened an online betting website and did unauthorized charges on my account. The XXXX purchase was {$39.00}, and the unauthorized charges were {$420.00} and {$440.00} from XXXX XXXX XXXX. 

I filed a dispute and was told that I made the purchase which I did not. I appealed the case and provided screenshot of the fake scamming page but yet again was told this was not sufficient proof. I have no way of providing any proof that I did not authorize this transaction when I don't even know how it was done. I have no way to show proof I did not do it. Sofi refuses to acknowledge or look into this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
hello, This is XXXX XXXX XXXX, I'm asking these accounts be removed permanently. Due to the creditor XXXX, Changing account names like : XXXX ( XXXX ) then ( XXXX  XXXX ) and many more and changing account numbers multiple times not providing investigation results and how they determined those results.these are FCRA rules I'm asking XXXX to be investigated for fraud for placing the same XXXX auto loans, XXXX If you look you can see i have XXXX or more reports I've sent with XXXX, including police reports. all they do is change the name account number

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 2025-02-28 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: CA

Complaint narrative:
hello, This is XXXX XXXX XXXX, I'm asking these accounts be removed permanently. Due to the creditor XXXX, Changing account names like : XXXX ( XXXX ) then ( XXXX  XXXX ) and many more and changing account numbers multiple times not providing investigation results and how they determined those results.these are FCRA rules I'm asking XXXX to be investigated for fraud for placing the same XXXX auto loans, XXXX If you look you can see i have XXXX or more reports I've sent with XXXX, including police reports. all they do is change the name account number

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 2025-02-28 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-28 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-28 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:
Im frustrated by the errors on my report that are unfairly dragging down my scores and limiting my opportunities. These mistakes have already caused setbacks that I shouldnt have to deal 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 2025-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
For years, I had a Capital One 360 XXXX XXXX account which promised a market-competitive interest rate. Like many others, I was deceived by Capital One, and only belatedly discovered it has introduced a higher-rate account, called a 360 XXXX XXXX account. When I leaned I was being cheated of the higher rate of interest on XXXX XX/XX/year>, I started a new 360 XXXX XXXX  account and moved all the funds previously in the Capital One 360 XXXX XXXX  account to it. 

I understand that the CFPB previously had a lawsuit filed against Capital One for this deceit, but the suit was dropped due to the corrupt influence of politicians. Since I am filing a new complaint, please reinstate the lawsuit. I am entitled to lost interest that due to the deceit of Capital One. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation