vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding misleading practices by American Express related to their 0 % APR credit card promotion. 

I applied for a credit card with a 6-month 0 % APR offer and set up autopay. However, I inadvertently turned off autopay and missed a payment due on the XXXX of the month. Despite this, I was only notified via email on the XXXX at XXXX XXXX  that I had missed a payment. On the XXXX, I received another email urging immediate payment. I promptly checked my account and made the payment. 

To my surprise, American Express removed the 0 % APR promotion and applied three months ' worth of interest charges. The terms about losing the 0 % APR were buried in fine print and not clearly communicated. Moreover, I was never explicitly warned that missing a single payment would result in losing the promotional offer. 

I contacted American Express to request that they remove the unfair interest charges, but they denied my request. I believe this practice is deceptive and unfair, especially as I acted promptly once notified. 

I kindly request your assistance in investigating this matter and ensuring American Express is held accountable for providing clear, transparent terms and fair practices for their customers. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
Complaint Regarding FCRA Violations by XXXX, TransUnion, and XXXX Complainant Information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : FCRA Violations by XXXX, TransUnion, and XXXX for Deletion of Accurate Account Information Details of Complaint : I am filing this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, TransUnion, and XXXX. These violations stem from the credit reporting agencies ( CRAs ) failing to report my XXXX XXXX secured credit card account accurately and instead deleting it entirely from my credit reports. 
Account History : My XXXX XXXX secured credit card account was opened in XX/XX/XXXX and closed on XX/XX/XXXX. A credit balance refund of {$200.00} was issued on XX/XX/XXXX. 
The account was accurately reported by XXXX XXXX to the CRAs. 
Violation of FCRA Requirements : The CRAs deleted this account from my credit reports instead of reporting it accurately. 
Under 15 U.S.C. 1681e ( b ), CRAs are required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Deleting an accurate account constitutes non-compliance with this obligation. 
This deletion negatively impacts the completeness and accuracy of my credit report, which violates my rights under the FCRA. 
Evidence of Non-Compliance : In a letter dated XX/XX/XXXX, XXXX XXXX confirmed they had reported the account accurately. They also indicated that the responsibility for maintaining and reporting the account lies with the CRAs. 
My credit reports from AnnualCreditReport.com show the last time it was reported. 

Relief Requested : I request the following remedies : A thorough investigation into XXXX, TransUnion, and XXXX  failure to report my XXXX XXXX account accurately. 
Reinstatement of the XXXX XXXX account with correct details, including the accurate open and closed dates, on my credit reports. 
Assurance that all CRAs comply with their FCRA obligations in the future to maintain accurate and complete credit reports. 
Any appropriate penalties for willful or negligent violations of the FCRA by the CRAs. 
Supporting Documentation : I have attached the following : A copy of the XX/XX/XXXX, letter from XXXX XXXX confirming they reported my account accurately. 
Credit reports from XXXX XXXX platforms showing the deletion of XXXX XXXX account. 
I trust that you will investigate this matter promptly and take necessary actions to address these violations. If you require additional information, please contact me at the phone number or email provided above. 
Sincerely, CFPB PLEASE VIEW THIS

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 2025-01-22 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: VA

Complaint narrative:
Complaint Regarding FCRA Violations by Equifax, XXXX, and XXXX Complainant Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : FCRA Violations by Equifax, XXXX, and XXXX for Deletion of Accurate Account Information Details of Complaint : I am filing this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX, and XXXX. These violations stem from the credit reporting agencies ( CRAs ) failing to report my XXXX XXXX secured credit card account accurately and instead deleting it entirely from my credit reports. 
Account History : My XXXX XXXX secured credit card account was opened in XX/XX/XXXX and closed on XX/XX/XXXX. A credit balance refund of {$200.00} was issued on XX/XX/XXXX. 
The account was accurately reported by XXXX XXXX to the CRAs. 
Violation of FCRA Requirements : The CRAs deleted this account from my credit reports instead of reporting it accurately. 
Under 15 U.S.C. 1681e ( b ), CRAs are required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Deleting an accurate account constitutes non-compliance with this obligation. 
This deletion negatively impacts the completeness and accuracy of my credit report, which violates my rights under the FCRA. 
Evidence of Non-Compliance : In a letter dated XX/XX/XXXX, XXXX XXXX confirmed they had reported the account accurately. They also indicated that the responsibility for maintaining and reporting the account lies with the CRAs. 
My credit reports from AnnualCreditReport.com show the last time it was reported. 

Relief Requested : I request the following remedies : A thorough investigation into Equifax, XXXX, and XXXX  failure to report my XXXX XXXX account accurately. 
Reinstatement of the XXXX XXXX account with correct details, including the accurate open and closed dates, on my credit reports. 
Assurance that all CRAs comply with their FCRA obligations in the future to maintain accurate and complete credit reports. 
Any appropriate penalties for willful or negligent violations of the FCRA by the CRAs. 
Supporting Documentation : I have attached the following : A copy of the XX/XX/XXXX, letter from XXXX XXXX confirming they reported my account accurately. 
Credit reports from XXXX XXXX platforms showing the deletion of XXXX XXXX account. 
I trust that you will investigate this matter promptly and take necessary actions to address these violations. If you require additional information, please contact me at the phone number or email provided above. 
Sincerely, CFPB PLEASE VIEW THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The account " XXXX  XXXX XXXX XXXX '' has been inaccurately reported by Equifax with late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are incorrect, as this account has been consistently paid on time and should reflect a " PAID AS AGREED '' status. This erroneous reporting violates the Fair Credit Reporting Act, which mandates credit reporting agencies to maintain accurate and fair information under 15 USC 1681. Equifax is required to conduct reasonable investigations to ensure the accuracy of consumer reports ; however, these inaccuracies persist. Additionally, 15 USC 1666B establishes protections against adverse reporting of payments in cases of errors or disputes, further highlighting Equifax 's failure to comply with federal law. These reporting errors have severely damaged my credit profile, hindering my ability to secure a business loan and housing for my family. The continued reporting of these late payments has caused undue financial and emotional distress. I request immediate action to correct this account by removing the inaccurate late payment history and updating the account status to reflect " PAID AS AGREED. '' If this issue is not resolved promptly, I may be forced to escalate the matter through legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted an application with Navy Federal Credit Union. I have been experiencing set backs, one after the other getting this application finalized. They have received all the information asked for. I have paid for the appraisalout of pocket as well. I was approved, agreed to loan terms and the terms were changed and it expired because they took over 3 weeks to schedule the appraisal. I filed complaint and they agreed to honor the interest rate that was first agreed upon. They have since been taking extremely long in providing a closing date. By their own admission on the website, the loan process takes normally 30-45 days. It has now been over 113 days. I have had 4 closing dates pushed back and I am still waiting on a close date. I was told that we would close on XX/XX/XXXX instead they called me on this date and requested a 3-way phone conversation with my credit card company to verify I have a XXXX balance and no delinquent payments. They informed me if I didnt comply with the call my loan would be terminated. The information was verified during the call. I had already submitted this same information by paper early in the application process. I would a full investigation into this situation as I feel I am being unfairly treated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion has failed to fulfill its legal obligations under the Fair Credit Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Transunion alleging systemic issues such as failing to to forward consumer - provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Transunion has corrected nor removed disputed items despite the evidence I provided causing on going harm to my credit standing. I am requesting immediate corrective action to remove and amend, the disputed Accounts as Transunion inactions violates federal law and my 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 2025-01-22 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Incorrect Collection Account Reporting XXXX XXXX XXXX  Account Number : XXXX Collection Account Reporting on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding a collection account reported on my credit file that does not belong to me. Despite my attempts to resolve this matter with the credit reporting agencies, the account continues to appear on my credit report, and my dispute has not been properly investigated or resolved. 

Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Balance : {$3100.00} I have reviewed the information associated with this account and discovered several discrepancies that clearly show this account is not mine. First, the Social Security Number ( SSN ) reported with this account is not my SSN. This is a critical issue, as it indicates that the account belongs to someone else entirely. Additionally, I have never lived at the address listed in connection with this collection account. 

I have attempted to resolve this issue with the credit bureaus ( XXXX, XXXX, and TransUnion ), but despite my dispute, the credit bureaus have failed to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have requested that they verify the information and remove the incorrect entry from my credit report, but they have either ignored or inadequately addressed my requests. 

As the account is clearly a result of incorrect reporting, it is causing significant harm to my credit score and financial standing. This is a violation of my consumer rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to : Investigate the situation thoroughly, including the Social Security number mismatch and the incorrect address associated with the collection account. 
Ensure that the credit bureaus properly remove this collection account from my credit report as it does not belong to me. 
Hold the credit bureaus and XXXX XXXX XXXX accountable for failing to conduct a proper investigation and for continuing to report this erroneous information. 
I have already taken the necessary steps to dispute the account with the credit bureaus, but my dispute has not been resolved. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please let me know if you require any additional information or documentation.

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 2025-01-22 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Re : Dispute of Incorrect Collection Account Reporting XXXX XXXX XXXX  Account Number : XXXX Collection Account Reporting on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding a collection account reported on my credit file that does not belong to me. Despite my attempts to resolve this matter with the credit reporting agencies, the account continues to appear on my credit report, and my dispute has not been properly investigated or resolved. 

Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Balance : {$3100.00} I have reviewed the information associated with this account and discovered several discrepancies that clearly show this account is not mine. First, the Social Security Number ( SSN ) reported with this account is not my SSN. This is a critical issue, as it indicates that the account belongs to someone else entirely. Additionally, I have never lived at the address listed in connection with this collection account. 

I have attempted to resolve this issue with the credit bureaus ( Equifax, XXXX, and XXXX ), but despite my dispute, the credit bureaus have failed to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have requested that they verify the information and remove the incorrect entry from my credit report, but they have either ignored or inadequately addressed my requests. 

As the account is clearly a result of incorrect reporting, it is causing significant harm to my credit score and financial standing. This is a violation of my consumer rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to : Investigate the situation thoroughly, including the Social Security number mismatch and the incorrect address associated with the collection account. 
Ensure that the credit bureaus properly remove this collection account from my credit report as it does not belong to me. 
Hold the credit bureaus and XXXX XXXX XXXX accountable for failing to conduct a proper investigation and for continuing to report this erroneous information. 
I have already taken the necessary steps to dispute the account with the credit bureaus, but my dispute has not been resolved. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please let me know if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a 1099-K in the mail with Block, Inc. ( Square ) as the filer. The XXXX ( XXXX  ) is Cash App, and there are 732 payment transactions referenced, totaling {$12000.00} over tax year XXXX. See the attached copy of the form. 

I do not, and have never had a Cash App account, so I believe someone has fraudulently created a Cash App account using my SSN, name, and former address ; received payouts last year totaling {$12000.00} ; and now is trying to fraudulently hold me liable for paying the taxes on that sum. 

I formally requested : 1 ) That Cash App close the fraudulent account in my name so no further transactions can be made.

2 ) That Cash App ( via Block , Inc. ) issue a correct 1099-K to me and confirm in writing I am not liable for the fraudulent charges. 

As of now, Cash App has failed to complete the above steps and instead has directed me to consult a tax advisor and/or ask my local police department to request information through their legal department. I need Cash App to take the above actions because they bear responsibility and control over withdrawing the incorrect 1099-K and closing the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices by XXXX XXXX XXXX XXXX XXXX XXXX They have failed to provide sufficient validation for a debt they claim I owe, and they are reporting inaccurate information to credit reporting agencies in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint 1. Failure to Provide Proper Validation Under FDCPA, 15 U.S.C. 1692g ( b ), I requested that XXXX XXXX XXXX XXXX XXXX validate the debt they are attempting to collect. However, they provided only an old billing statement, which is insufficient under the law. Validation must include : Proof of ownership of the debt, including the full chain of title from the original creditor to the debt buyer. 
A detailed breakdown of the debt balance, including principal, interest, fees, and any additional charges. 
A copy of the original contract or agreement bearing my signature, which establishes the terms of the debt and any charges. 
2. Reporting of Inaccurate Information XXXX XXXX XXXX XXXX XXXX is reporting this debt to credit bureaus, including unauthorized interest or fees, without proper verification. This violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires furnishers of information to ensure that data reported to credit bureaus is accurate and verifiable. 

XXXX. Improper Collection Activity Despite disputing the debt, XXXX XXXX XXXX XXXX XXXX has continued collection activities, which violates FDCPA, 15 U.S.C. 1692g ( b ). Federal law prohibits further collection efforts until proper validation is provided.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report immediately. I am unaware of their origins and did not authorize their creation. Under XXXX XXXX, I formally request their removal within 15 days. The necessary documents are attached for your reference.

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