vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: LA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Equifax credit reporting did not provide an address or information on the name of this debt 1. No Validation. By FDCPA, US 15 U.S.C 162g 2. Does not show original creditor or company collection agency 3. Two accounts shown on the report for {$90.00} and {$680.00}. Status is shown as date 2021 4. No contact name and no contact address or phone number. Possible data breaches and could be possible that my information was shared without consent and these debts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: DE

Complaint narrative:
Tek-Collect is trying to collect a medical debt which should no longer be reported on consumer reports and this debt does not belong to me. I requested verification of the debt and have not received satisfactory proof. 

The amount of the collection is XXXX and was opened on XX/XX/year> according to my XXXX, XXXX, and XXXX credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute an erroneous collection account reported by Southwest Credit Systems on my credit report. The collection, in the amount of {$57.00}, allegedly linked to a XXXX account, does not belong to me. I demand the immediate removal of this false collection from my credit file, as it is inaccurate and constitutes an act of identity theft. 

Key Facts of My Dispute : I have never had a XXXX account in my name. 
A past XXXX account was opened by my parents and left in collections when I was XXXX. At that time, I made payments toward that balance. 
When I moved to my own residence at XXXX, I was unable to obtain XXXX XXXX  due to financial damages caused by my parents. 
XXXX has allowed family members to fraudulently open accounts in my name without verifying identification. This is a serious violation of consumer protection laws. 
Southwest Credit Systems must provide all documentation associated with this alleged debt. I demand full validation of this debt, including signed contracts, itemized billing statements, and proof that this account belongs to me. The documents must match my full and correct address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. 
Legal Grounds for My Dispute : This false reporting violates multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) You are required to report only accurate information and provide proper verification of debts. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Debt collectors can not attempt to collect debts without sufficient proof or use deceptive practices. 
Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Any unauthorized XXXX accounts opened in my name constitute identity theft, which is a federal offense. 
My Formal Request : Immediate removal of this erroneous {$57.00} collection account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Full validation of this debt, including copies of any agreements, billing statements, and proof of liability in my name. 
A response in writing confirming the deletion of this account or full documentation proving otherwise. 
If Southwest Credit Systems fails to comply, I will pursue legal action against both your company and XXXX for violations of federal laws. Additionally, I will escalate this dispute to the, Federal Trade Commission ( FTC ), and Massachusetts Attorney Generals Office. 

This letter serves as formal notification under the FCRA and FDCPA, and you must respond within 30 days to avoid further legal consequences. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: DE

Complaint narrative:
Investigations into claims Ive reported is not being done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
Today, XX/XX/year> at XXXX I recieved a call from XXXX with the following interactions : They called me stating they were with my bank and had detected fraud on my account. They knew the last 4 of my debit card, asked if I had traveled in the past several days to XXXX XXXX, and also stated that my account was used in XXXX transactions. 

They tried asking if anyone knows my banking information and the like, tried asking specifically about XXXX, and continued to tell me these " charges '' haven't posted to my account. I became more suspicious when I logged into my bank account and saw none of the charges posted or pending. I immediately hung up and called the XXXX XXXX number to my bank. Who assured me there were no charges, and confirmed that if a charge is made from my debit card or bank account, it is immediately posted in a " pending '' status, and if any fraud is suspected, it automatically goes through their fraud detection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
In XX/XX/year> {$490.00} was with drawled from my account unauthorized from cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
As of recent my account shows past due and my credit has dropped drastically. I recent disputed the accounts XX/XX/XXXX because of my personal information being exposed. I have not received any updates from the disputed but now my scores are super low this is not acceptable.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I unexpectedly received a Cash App debit card that I had not ordered. XXXX, I attempted to log into my account but was unable to do so. Subsequently, I reached out to Cash App to report that my account might have been compromised. At that time, I had been using Cash App for XXXX years. 

On XX/XX/year>, at XXXX XXXX I provided the Cash App assistant with the necessary information to verify my identity. After submitting the required information, I waited for a response but received none by XXXXXXXX XXXX. The assistant then requested that I resend my verification details. After complying, I continued to wait for a response until XXXX PM, but still received no updates. 

The advocate informed me that they needed more time to investigate the matter. On XX/XX/year>, at XXXX XXXX, I followed up for an update and was told that the investigation was still ongoing. I was assigned a case number after this inquiry. However, I was asked again to submit proof of identity, with the advocate claiming that I had sent in the wrong information. 

On XX/XX/year>, at XXXXXXXX XXXX, I provided a copy of my North Carolina ID, a bank statement that included my name and address, and a live photo of myself with the ID. I then contacted support again on the same day at XXXX XXXX, seeking clarity on the situation. I received a reply at XXXX XXXX asking me to be patient while they reviewed my case. 

On XX/XX/year>, at XXXX XXXX  I reached out again for an update and was told that the issue remained unclear. I explained the urgency of the matter, including the funds I was losing while waiting. Unfortunately, by XX/XX/XXXX, it felt like I was back at square one, as the support team needed to start the process over. I inquired why there was a delay in resolving my issue and lodged a complaint about the lack of assistance. 

On XX/XX/year>, at XXXX XXXX, I was yet again asked to prove my identity. However, by XXXXXXXX XXXX I regained access to my account. It was revealed that before I could retrieve my funds, my account had been banned due to activity that was deemed against Cash App 's terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: OH

Complaint narrative:
Kickoff who was part of my XXXX XXXX XXXX filed XX/XX/year> and XXXX XX/XX/year>, keeps reporting its a charged off not Bankruptcy and keeps lowering my score the company said They removed nothing when they did and its illegal for them to do that. I on my 3rd round with disputes once it gets fixed then they report charged off again. I even included the bankruptcy documents to both the credit agency and the company. Please have them stop reporting charged off its been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintain timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. According to US 15 Cod1681e - Compliance procedures ( b ) Accuracy of report. Its is imperative that this information be reported with utmost accuracy. I have always made my payment on time and if I would of went this long as my report states I would of lost everything by now. I never missed a payment on any of the following account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: DE

Complaint narrative:
XXXX XXXX reported me late on my auto lease XXXX times which is incorrect. They show late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is not right. I have asked for proof of this multiple times with no proof sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: DE

Complaint narrative:
XXXX XXXX reported me late on my auto lease XXXX times which is incorrect. They show late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is not right. I have asked for proof of this multiple times with no proof sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: DE

Complaint narrative:
XXXX XXXX reported me late on my auto lease XXXX  times which is incorrect. They show late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is not right. I have asked for proof of this multiple times with no proof sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
My credit profile was compromised and these accounts I never gave permission to open up, It has destroyed my credit and need these accounts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
My credit profile was compromised and these accounts I never gave permission to open up, It has destroyed my credit and need these accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
The company 's data breach compromised all information on my credit report and accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Request to remove all information from my credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC Is collecting for XXXX XXXX. I never gave them the right to collect on my behalf. This company has been operating illegally for years. I contacted them and asked for information to try to resolve this issue. But was only given a bill with my name on it. I asked for the following information under a negative item review of the Fair Debt Collections Practices Act, 15 USC 1692 Sec.809 b. And 15 USC 1692 C. I was not provided this by the creditor nor the credit bureau! Please advise of my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: GA

Complaint narrative:
Someone made back to back transactions within minutes that totaled XXXX. I made several calls and sent emails regarding these unauthorized transactions. I provided the information from the filed police report and also provided a notorized statement that I didnt make the charges, per the banks request. They still refuse to respond to my recent email messages and have not credited back my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NV

Complaint narrative:
I tried opening a cash app account and as soon as I entered my information they closed my account stating I did something against their terms and regulations. When I tried speaking with someone they told me there was nothing they could do due to lack of information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I owe a debt XXXX to XXXX dispute its. Muilt times left on my credit report. I received no evidence of my obligation to pay this so called debt to this collection agency. This debt does not belong to me, and I am concerned about possible identity theft or fraud. The FCRA requires you to verify the validity of this within XXXX  days. If the validity can not be confirmed, you are obligate by law to remove it from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Blockchain.com for restricting my account without justification and failing to return my funds despite multiple requests. 

Case Summary : I mistakenly sent XXXX XXXX  ( ~ {$15000.00} at the time of transfer ) to my XXXX address on Blockchain.com on XX/XX/year>. 
Additionally, I made a XXXX deposit on XX/XX/year>, which has never been credited to my account. 
The transactions are fully confirmed on XXXX and my bank statement, but my funds are still missing. 
I have contacted Blockchain.com multiple times and provided all necessary documents for verification, yet my account remains restricted without any explanation. 

Key Details : Transaction 1 : XXXX Sent to Blockchain.com ( Not Credited ) Transaction XXXX  ( XXXX  ) : XXXX Amount Sent : XXXX XXXX ( ~ {$14000.00} USD at the time of transfer ) Date of Transaction : XX/XX/year> Sent From ( XXXX Address ) : XXXX Sent To ( Blockchain.com XXXX Address ) : XXXX Transaction XXXX : XXXX Deposit ( Not Credited ) Date of Deposit : XX/XX/year> Amount : XXXX Payment Method : [ Specify : Bank Transfer, Credit Card, etc. ] Bank Transaction Reference : [ Provide Reference Number ] Issues with Blockchain.com : 1 Failure to credit my funds : My XXXX XXXX  and XXXX deposit remain unaccounted for.

2 Account restriction without justification : I have provided all requested identity verification documents, yet my account remains restricted.

3 Lack of response & resolution : I have been waiting for over a month without any concrete update, only generic responses delaying the process.

4 Potential financial misconduct : Restricting a users account and withholding funds without valid reason is a serious concern. 

Request for Immediate Action : I request that the CFPB investigates Blockchain.com and ensures : My XXXX XXXX  is credited back to my account or returned to my original XXXX address. 
My XXXX deposit is credited to my Blockchain.com balance immediately. 
My account restriction is lifted, since I have complied with all verification requests. 
Blockchain.com provides a clear and justified reason for restricting my access to my own funds. 

If this matter is not resolved, I will pursue further legal action and escalate the case to financial regulators in multiple jurisdictions. 

Thank you for your prompt attention to this urgent matter. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation