vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. As an attorney, I know this is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00} or as the law will allow. Ive paid many application fees for credit cards and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  XXXX  and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX with a balance of {$5900.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$990.00}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  {$8000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX with a balance of {$5900.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$990.00}, 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 {$8000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-28 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX with a balance of {$5900.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$990.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of {$8000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a formal dispute letter to TransUnion regarding a fraudulent account on my credit report resulting from identity theft. The letter was sent via certified mail and received by TransUnion on XX/XX/year>, per USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. 

I provided all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Under Section 605B of the Fair Credit Reporting Act ( FCRA ), TransUnion was required to block the fraudulent account from my credit report within 4 business days and notify me of the resolution. However, TransUnion has failed to : Remove the fraudulent account from my credit report. 
Provide any written notification regarding the status of the investigation. 
This inaction is a clear violation of the FCRA and has caused significant harm, as I am in the process of securing a mortgage and the presence of this fraudulent account is delaying my ability to proceed. 
Also, Transunion deleted XXXX XXXX from my credit report on XX/XX/year>, but then re-inserted it back on XX/XX/year> ( which is another violation of the FCRA ). The FCRA states you have XXXX business days to re-insert account information after a reinvestigation takes place, and I did not receive notification within this timeframe. 

Disputed Account 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 2025-01-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing 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 Experian has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
- XXXX experienced a data breach in 2022. My XXXX account was broken into and individuals made two charges on two separate occasions through the XXXX app. it was then charged to my Bank of America credit card. 
- Bank of America reviewed my two charges : 1 ) {$31.00}, 2 ) {$91.00}. Both charges were made in the same month. Bank of America only refunded me for the smaller charge of {$31.00} but denied my claim of {$91.00} citing that the " merchant provided documentation confirming you received the merchandise or service. '' I DID NOT make this charge nor did I purchase it for anyone else. The XXXX ride occurred in a different state and I can prove that I was out of state from where the charge occurred. 
XXXX Bank of America will not let me dispute this charge. I find it especially convenient that they would refund the lesser amount and make me pay the larger amount.

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 monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$0.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Purchased by another lender Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # : XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$5800.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Dispute resolved ; customer disagrees Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Responsibility Individual Current XXXX {$190.00} Original Balance {$47000.00} Limit XXXX XXXX Monthly Payment {$190.00} Last Payment Status Loan Term XXXX Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original XXXX {$40000.00} XXXXXXXX XXXX XXXX  Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Payment after charge off/collection|Paid profit and loss Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone # : XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$2300.00} XXXX XXXX {$2700.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Dispute resolved ; reported by grantor Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Phone # : 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am writing to express my concern regarding my checking account, which recently went into the negative due to financial hardship. I noticed that after it went into the negative, the system continued to process payments, resulting in additional overdraft fees. My account is not enrolled in any overdraft protection, and I was under the impression that if funds were unavailable, transactions would be declined rather than processed, leading to a {$29.00} fee for each. 
Once my account is in the negative, I believe subsequent transactions should be declined to prevent further financial strain. 
This situation has exacerbated my hardship, and I would appreciate your assistance in resolving this matter. I understand that the process might be automated, but l 'm hoping for a resolution that can prevent this issue from recurring. 
Thank you for your attention to this matter. 

My account is with USAA.

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 monetary relief
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: FL

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a long-time member of Navy Federal Credit Union and have generally appreciated my experience. However, I recently became aware of a concerning issue regarding the way interest is applied and payments are allocated on my credit card account, which I believe is misleading and unfair to members.

I hold a Navy Federal credit card with an 18 % interest rate on both purchases and cash advances. What I did not realize until recently is that Navy Federal does not allow payments to be applied toward a cash advance balance until the purchase balance has been completely paid off. This policy has resulted in me unknowingly accumulating significant interest charges over the years, despite making substantial payments toward my balance.

Upon reviewing my statements, the earliest record I was provided dates back to XX/XX/year>, showing a cash advance balance of {$820.00} with an interest rate of 17.40 %. Over a six-year period, I have paid approximately {$8000.00} in interest on cash advances alonean amount that far exceeds the original cash advance balance of {$6100.00}. A Navy Federal representative recently informed me that I would continue incurring additional interest until I paid off {$6700.00} in purchase charges, further prolonging my financial burden.

I have since paid the balance in full by transferring the debt to another bank with a 0 % interest rate. However, I believe Navy Federal should refund {$14000.00} to compensate for the excessive interest charges accrued due to its deceitful payment allocation practices. It is deeply frustrating to realize that despite making consistent and substantial paymentsincluding {$1000.00} payments at one pointthe structure of this policy made it nearly impossible to pay off my principal balance.

This practice ultimately benefits the credit union at the expense of its members, and I hope that Navy Federal will take action to rectify this issue. I look forward to your response and a fair resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which 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 redress for these violations.

Company response to consumer: Closed with explanation