vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: RI

Complaint narrative:
My student loans are on the XXXX plan, which is currently in 0 % interest forbearance. However, my loan balance has increased during the forbearance. I cant locate any statements on my account explaining why this is, and cant get ahold of a human being at MOHELA to remedy the issue. My credit report lists my updated balance as XXXX. MOHELA reports a balance of XXXX.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX Account # : XXXX Balance : {$3300.00} Date Opened : XX/XX/XXXX Account Status : {$3300.00} Account Name XXXX XXXX XXXX Account # : XXXX Balance : {$16000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX  Account # : XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Status : open UNAUTHORIZED INQUIRE ( 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 proce 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 XXXX. 
financial loss, and I seek appropriate redress for these violations.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate.

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: 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Applied for an apartment and was denied because of inaccurate information reported from my Experian credit report

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

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. 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 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a complaint against XXXX and the third party collection agency that they keep selling my information to. It has been over 6 years that Ive had services with XXXX and they were at fault for me choosing another cellphone provider. XXXX allowed my oldest child whom was a minor at the time to come into their business and make changes to my account without asking for no identification at all. Which caused my bill to increase drastically. I tried resolving this matter with the company and I even returned all of the cellular devices as well as a XXXX speaker and it was confirmed by one of their representatives. Shortly afterwards my information was then sold to a collection agency. When I advised them that I was waiting for them to take me to court so I can explain to the judge what the company had done to me I never heard anything else from the third party company. Thereafter another third party collection agency was then sold my information again and begin to call and harass me all over again.

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: FC HoldCo LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX ran my credit unauthorized. I have no idea what company this is or how they got my information.

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: 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$22000.00} US DEPT ED XXXX {$3600.00} - tied up US DEPT ED XXXX {$2500.00} - tied up US DEPT ED XXXX {$1400.00} - tied up US DEPT ED XXXX {$7800.00} - tied up US DEPT ED XXXX {$5600.00} - tied up US DEPT ED XXXX {$3500.00} XXXX tied up US DEPT ED XXXX {$1600.00} - tied up US DEPT ED XXXX $ XXXX tied up US DEPT ED XXXX {$4200.00} - tied up XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding a credit report dispute I initiated, which has not been properly investigated or resolved in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Below are the details of my dispute : Date of Dispute Submission : XX/XX/year> Disputed Information : Account Verification Tracking Number of USPS Certified Mail : XXXX Credit Reporting Agency Involved : Equifax On XX/XX/year>, I sent my dispute to Equifax via USPS certified mail, and they acknowledged receipt of the dispute. However, despite the fact that over 30 days have passed since Equifax received the dispute, they have failed to properly investigate the matter and resolve it in a timely manner. Equifax has also received necessary identity verification through my state issued ID but refuse to acknowledge it.

Additionally, after submitting the dispute online, the results from Equifax indicate that the disputed information has been marked as " verified '' but without any clear or detailed explanation of how the verification was conducted or the procedures followed. Under 15 U.S.C. 1681i, Equifax is required to provide a description of the method of verification and the procedure used during the investigation. To date, I have not received any such information, which is a violation of my rights under the law. As the 30-day period has passed and I have not received any valid verification or resolution, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that Equifax complies with the legal requirements to provide the necessary verification details or delete the disputed information as mandated by the FCRA.

I respectfully ask that the CFPB ensure that Equifax provides a full explanation of the method of verification process and a description of the procedure they followed, as required by 15 U.S.C. 1681i. Should Equifax be unable to provide this verification, I request that the disputed information be deleted from my credit report. 

Thank you for your attention to this matter. Please let me know if you require any additional documentation or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to 360 high yield interest savings account. Capital One misrepresentative the 360 Savings account as having one of the nations highest interest rate, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: VA

Complaint narrative:
I don't know the exact dates, but my XXXX XXXX took out a credit card in my name, I've tried to file a police report for fraud but I was told that because it happened in another state there was nothing they could do. The amount was for {$1500.00} dollars, and the debt ended up being {$1700.00}. I've tried numerous times to dispute it through the credit bureau that it was fraud by my ex spouse, and they keep saying it was in fact myself that got the card. The card was through Discover.

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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery is engaging in fraudulent activities, which are negatively impacting my credit worthiness. Portfolio Recovery is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), as this company continues to report two debts on my credit reports, to date, showing past due as of XX/XX/year>, but is unable to validate this debt. I have never entered into an agreement with this Portfolio Recovery and I have made 4 requests of this company to provide me with the documentation listed below that I may be able to determine if this debt belongs to me. The company has refused to provide the requested documentation, necessary to prove that I owe this debt to Portfolio Recovery. As part of the resolution process, I request the following : Assignment contract Purchase agreement from the original creditor Cancellation of debt from the original creditor Chain of title

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, filed a dispute on inaccurate personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax denied to follow up with the investigation and provide information on how this information was verified as accurate. I, XXXX XXXX XXXX XXXX, am submitting a complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX ' credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE. Reporting without valid proper disclosure requirements is a direct violation of my consumer rights. I, XXXX XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify these alleged accounts, only to receive a letter stating that they were verified. 
I, XXXX XXXX XXXX XXXX, am requesting these derogatory items be removed immediately as it is running the risks of affecting my mental, physicaland financial health. 
This company has violated my rights as a consumer and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I've banked with Navy Federal over five years. I had a checking account with a direct deposit, as well as oops program. And for some reason i could never get a positive balance. I know I could the money come in there would be an over charge for something that came in late, or it just wasn't enough money. this went on for years they would have some reason behind the charges. I would get a {$35.00} for a {$2.00} charge. this let up to me getting my account closed and letters of paying this amount in full. this account was charged off now there still wanting me to pay this account current. I'm totally lost of what needs to happen.

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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
The amount that this collection agency is trying to collect is incorrect. The company ( XXXX XXXX ) provided information for {$350.00}. Harris and Harris is claiming that I owe {$430.00}. Where is the additional {$87.00} coming from? Fees? Does the original agreement permit this? This is incorrect information that is being reported on my credit. I want all documentation that was transferred from XXXX XXXX to Harris and Harris. Because the information is inaccurate. Theyre knowingly damaging my credit and falsifying information on my report.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am filing this complaint regarding an inaccurate item on my credit report thats continues to have an negatively impact my credit. despite my efforts to resolve this directly with the reporting agency it remains unsolved. i request immediate and removal as it is incorrect and does not reflect my tyre history

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