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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under XXXX XXXXXXXX XXXX  with account number XXXX opened on XX/XX/XXXX still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Additional, This account has already been removed from my credit reports with XXXX and XXXX, as confirmed in their reports dated as early as XX/XX/XXXX. Therefore, under the Fair Credit Reporting Act ( FCRA ), I believe this account should also be removed from my Equifax credit report. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

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 the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: VA

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 rsolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
XXXX  HAD DECEPTIVE SALES PRACTICES... ..THEY LIED TO ME DURING THE SALES APPOINTMENT. THE LEASES SOLAR PANELS ARE COSTING ME MONEY EVERY MONTH ON TOP OF MY NV ENERGY BILL THAT IS NOT LOWER THAN BEFORE MY PANLES WERE INSTALLED.

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: CBC Companies, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX CREDIT CARD ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Erroneous Late Payments XXXX XXXX XXXX Loan To Whom It May Concern, I am writing to formally dispute the late payment reporting for a XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX. I am listed as the cosigner on this loan, but the primary borrower is my daughter. The reported late payments for XXXX, XXXX, and XX/XX/XXXX are erroneous, as the account should have been in deferment during this period due to my daughters enrollment in college. 

Timeline of Events XX/XX/XXXX : A XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX was issued with an original amount of {$7000.00}. 
The loan was signed by the primary borrower, my daughter, with me listed as the cosigner. 

XX/XX/XXXX- XX/XX/XXXX : Late payments were reported by XXXX XXXX despite the primary borrower, my daughter, being enrolled in college during this time. 
My daughter contacted XXXX XXXX to provide proof of her enrollment and requested that the account be placed into deferment. 

XX/XX/XXXX : Payments were officially deferred, and no further late payments were reported. 

XX/XX/XXXX The loan account was transferred to XXXX XXXX. 

XXXX : Late payment entries for XXXX, XXXX, and XX/XX/XXXX remain on my credit reports, causing a significant drop in XXXX XXXX. 

Summary of Deferment Errors The primary borrower was a college student during the period of XXXX XXXX, qualifying the loan for deferment under XXXX XXXX XXXX XXXX 
Despite providing documentation to XXXX XXXX verifying her enrollment, the loan was not placed into deferment in a timely manner, and late payments were erroneously reported. 
These late payment entries contradict the loans subsequent deferment status starting in XX/XX/XXXX and should be corrected retroactively. 

I appreciate your attention to this matter and look forward to your prompt resolution. If this issue is not corrected within 30 days, I will consider escalating the matter further, including legal remedies if necessary. 

Sincerely, 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is the XXXX time Experian allows this inaccurate information in my credit report! I don't owe XXXX XXXX XXXX {$920.00}. I have a current account with XXXX XXXX XXXX. The collection by XXXX XXXX XXXX and XXXX XXXX XXXX  are not accurate. The collection is not aaccurate.

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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block and remove 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 a auto loan that has been CLOSED/CHARGED OFF at ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX accounts in collection/ closed account with ( XXXX XXXX XXXX XXXX XXXX a cable/utility account at ( XXXX XXXX ) and ( XXXX XXXX ) .It has several hard inquiries that needs to Be removed and deleted from ( XXXX  ), ( XXXX ) finance, XXXX  ( finance ), XXXX XXXX  ( bank ) XXXX  XXXX, as well as address XXXX XXXX XXXX XXXX XXXX OH, XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or closed accounts. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report 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 INFORMATION HAS BEEN REPORTED and needs to be removed immediately.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I was informed from my bank XXXX XXXX XXXX XXXX XXXX ) that I had a transfer that went through from Zelle, Only issue is I never signed up to use Zelle, I don't know a XXXX  XXXX  and I never authorized a transfer of any funds through Zelle. I contacted zelle. they told me to speak with the bank. I changed all my accounts and got new debit cards through XXXX XXXX  the next day. I was refunded the money through XXXXXXXX XXXX but they charged me for the problem 30 days later. I ended up loosing {$950.00} in the process. They said that the call came from my phone and I tried to prove to them that I never sent any text message authorizing any transfer of funds but they denied it. I fought this for 14 months and they refused to correct the situation. I filled out police reports and Online Identity Theft to fix the situation but these were all dead ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX someone did a telephone transfer without my knowledge. I received no text or call from Wells Fargo to see if this was a legit transfer. They ( Wells Fargo ) transfer money from one account to another account. I have XXXX accounts with Wells Fargo totaling at the time XXXX, XXXX. Wells Fargo only gave me back {$4000.00} on XX/XX/XXXX. They still owe {$670.00}. I had to file another claim to get my {$670.00} back which was filed on XX/XX/XXXX. As of today, XX/XX/XXXX I am still trying to get my money back. Wells Fargo representative XXXX which is in the escalation department has been telling me that they are still investigation on whether or not I can get my money back.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ), XXXX, XXXX and TransUnion are required to maintain the maximum possible accuracy of the information in my credit report. The reporting of this account is blatantly inaccurate and misleading for the following reasons : 1. Late Payments After Charge-Off : Reporting late payments ( 30, 60, 90, etc. ) after the account was charged off is inaccurate and unethical. A charge-off signifies the account is closed and written off as a loss by the creditor, making late payment updates redundant and misleading.

2. Re-Aging of the Account : By reporting new delinquency updates each month alongside the charge-off, this account is being unlawfully re-aged, creating a false impression of ongoing delinquency and harming my credit score further.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a lack of compliance with your duty to ensure accurate reporting. 

I am not disputing the validity of the account but rather the accuracy of the way it is being reported. If XXXX can not obtain verifiable evidence of this reportings accuracy, this account must be updated or deleted under FCRA 611 ( a ) ( 5 ). 

I demand that this matter be corrected immediately, and I expect a written response within the 30 days required by law.

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: 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:
Under 15 U.S. Code 1681e ( b ), XXXX, Equifax and XXXX are required to maintain the maximum possible accuracy of the information in my credit report. The reporting of this account is blatantly inaccurate and misleading for the following reasons : 1. Late Payments After Charge-Off : Reporting late payments ( 30, 60, 90, etc. ) after the account was charged off is inaccurate and unethical. A charge-off signifies the account is closed and written off as a loss by the creditor, making late payment updates redundant and misleading.

2. Re-Aging of the Account : By reporting new delinquency updates each month alongside the charge-off, this account is being unlawfully re-aged, creating a false impression of ongoing delinquency and harming my credit score further.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a lack of compliance with your duty to ensure accurate reporting. 

I am not disputing the validity of the account but rather the accuracy of the way it is being reported. If XXXX can not obtain verifiable evidence of this reportings accuracy, this account must be updated or deleted under FCRA 611 ( a ) ( 5 ). 

I demand that this matter be corrected immediately, and I expect a written response within the 30 days required by law.

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: 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: CA

Complaint narrative:
In 2021, I attempted to apply for an apartment, and as part of the process, Experian conducted a credit check on my behalf. During this check, it was noted that there were delinquencies reported on my account. When I inquired about this, Experian stated that their records indicated these items were still unpaid. 

In order to resolve the issue, I took the initiative to conduct my own research, as Experian failed to properly investigate the matter. After my efforts, I was able to obtain a letter from the company involved, confirming that the outstanding amounts had been fully paid off. 

Despite this, as of now, my credit report still reflects incorrect information, and I have an erroneous credit score, with unknown entries on my account. The lack of a proper investigation by Experian has caused unnecessary delays and confusion, forcing me to address the issue on my own. 

I request that this matter be looked into and rectified promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
I recently paid off my lendly loan in the payoff amount of XXXX. Lendly requires direct deposit payments and a payment of {$130.00} was sent to lendly on XX/XX/year>. I would usually receive an update on the Sunday that the payment was received and did not. I called and they could not tell me what the refund process was and could not explain why the payment was not posted as a credit on my account. Instead, it shows a XXXX balance. 

Loan number XXXX Paid in full on XX/XX/year>

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: Block, Inc.
State: GA

Complaint narrative:
There were XXXX transactions where cash app was pulling from my banking account when there was no money in the cash app and it wasnt something that I approved the dates started XXXX and lasted until XX/XX/year> where they deactivated my account after I tried to dispute those charges

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: TX

Complaint narrative:
XXXX XXXX  - XXXX The balance and/or past due are/is incorrect The amounts, other than balance and/or past due, are incorrect The credit limit and/or high balance are/is incorrect The payment history/rating is incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX - XXXX The balance and/or past due are/is incorrect The amounts, other than balance and/or past due, are incorrect The credit limit and/or high balance are/is incorrect The payment history/rating is incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.

Company response to consumer: Closed with explanation