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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXXCCOUNT # : XXXX ). According to XXXX XXXX  an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off accounts listed below ( XXXX XXXX XXXX : XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease reporting and delete this account. Additionally, both XXXX and XXXX have completed their investigations and both deemed the account to be inaccurate and incomplete and as a result the account was removed. In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX XXXX XXXX, please provide the names and business addresses of each individual with whom you verified above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
My account was locked the previous week and Robinhood claimed they would review for a release of funds by XX/XX/year>. The review did not take place and the funds remain locked and customer service is unresponsive regarding the issue. The amount being withheld is XXXX dollars.

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: 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:
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 of 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS Servicing is not honoring the adjustable rate caps and payment caps on my loan according to my note. I have a cap on my rate of 9.95 % and a monthly payment increase cap of 7.5 % previous month payment. They are not compliant with payment caps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I enrolled in XXXX for crypto funding and after purchasing would not allow me to transfer to another wallet. So I opted to sell my crypto in XXXX XXXXXX/XX/year> ( {$1400.00} ) and with any other acount I've sold thru its within XXXX min. XXXX instantly put a 7 day hold onto funds and selling price at time of sale wasn't even accurate. I've tried multiply time to get into contact with the support but no answer from them. Have asked to be given a reason why it's on hold and all I have received is silence from them.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like these inquiries to be removed as soon as possible. I never authorized any of these and have sent letters to TRANSUNION AND XXXX TO REMOVE. THEY HAVE NOT BEEN COMPLIANTE. As a consumer, the FCRA says accurate information is my right and this isnt 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered inaccurate reporting of late payments associated with my XXXX XXXXXXXX XXXX account. Specifically, these entries violate the Fair Credit Reporting Act ( FCRA ) because I did not authorize or consent to this information being included on my credit report. 

On [ insert date of original dispute letter ], I sent dispute letters to all three credit reporting agencies ( XXXX, Equifax, and XXXX ), requesting that they delete the inaccurate late payment information. These letters referenced specific violations under 15 U.S.C. 1681b ( " Permissible purposes of consumer reports '' ) and 15 U.S.C. 1681 ( 2 ) ( a ) ( i ), which restrict the inclusion of certain consumer transaction data. 

Additionally, I emphasized that failure to delete the inaccurate information could result in legal action, including claims for defamation, negligent enablement of identity fraud, and willful noncompliance with the FCRA. I also requested updated and corrected copies of my credit reports, but I have not received any resolution or acknowledgment of my dispute to date. 

This inaccurate reporting is harming my creditworthiness, and I am seeking immediate action to resolve this issue by having the late payment information removed and updated credit reports issued.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal 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 explanation
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: Block, Inc.
State: CA

Complaint narrative:
Hello, I received a XXXX from from Block, Inc. on behalf of CashApp indicating that I received a gross payment of {$16000.00} all in the month of XXXX XXXX XXXX. I believe someone has use my information to fraudulently open up a business account with CashApp. 

I have tried contacting CashApp regarding this issue but they stated they can not help me since they have closed by account. They stated they have opened up a ticket to try and " reopen '' my account so they can help me with this issue. 

It's impossible to reach anyone to help me to have this issue fixed. I've already submitted a report with identitytheft but not sure what else I need to do.

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

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint XXXX Cash App ( Block , Inc. ) for Unauthorized Transactions, Failure to Resolve Claims, and Financial Losses To Whom It May Concern, I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding misconduct involving unauthorized transactions, failure to resolve claims, and financial losses. Below are the details of my case : XXXX. Claim Information Submitted Claim ID : XXXX Confirmation Code : XXXX XXXX. Personal Information Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unauthorized withdrawals occurred here ). 

XXXX. Unauthorized Account Event Date : XX/XX/XXXX Amount Lost : {$1700.00} Description : Unauthorized withdrawals from my linked XXXX XXXX XXXX. Cash App failed to resolve the claim adequately, leaving me responsible for the loss. 

XXXX. Data Security Incident I received notice that my information was impacted in Cash Apps disclosed Data Security Incidents ( XX/XX/XXXX and XX/XX/XXXX ). 

XXXX. Financial Losses and Costs Incurred Credit Monitoring/Identity Theft Insurance : Date : XX/XX/XXXX Amount : XXXX ( XXXX for XXXX credit report and {$500.00} temporary credit later debited after investigation ). 

Unrefunded Overdraft Fees : Date : XX/XX/XXXX Amount : {$530.00} ( Debited after temporary credit reversal ). 

Credit Freeze/Report Costs : Date : XX/XX/XXXX Amount : {$24.00} ( XXXX credit report ). 

XXXX. Lost Time and Effort Date : XX/XX/XXXX Hours Spent : XXXX hours Description : Extensive back-and-forth communication with Cash App and my credit union, canceling my XXXX XXXX, monitoring accounts, and securing my credit. Despite these efforts, the issue remains unresolved, causing significant stress. 

XXXX. Supporting Documents Proof of unauthorized transactions, overdraft fees, credit monitoring expenses, and correspondence with Cash App. 

XXXX. Request for XXXX I urge the CFPB to investigate Cash Apps : Failure to address unauthorized transactions. 

Inadequate resolution of claims. 

Lack of reimbursement for financial losses and time spent. 

Mishandling of data security incidents impacting my personal information. 

I seek compensation for the total financial losses ( XXXX + XXXX + {$24.00} ) and a resolution to ensure accountability. 

Thank you for your attention to this matter. Please contact me at XXXX for further details. 

Sincerely, XXXX XXXX

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not had an account with XXXX XXXX for a while now and i had closed the account with them due to the branch breach like XXXX years ago and that account has not fell off of my account i have sent out some letters for disputes to each credit burro and it has not fallen off and they have outdated information and or some information that is not mine all starting about XXXX years ago when i started checking my credit and learning about my credit. I also have house, car and a house bill in my name in places I have never been in going back to when i was like XXXX years old how does that make sense at that age I'm not able to pay a phone bill use a car or buy a house.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not had an account with XXXX XXXX for a while now and i had closed the account with them due to the branch breach like XXXX years ago and that account has not fell off of my account i have sent out some letters for disputes to each credit burro and it has not fallen off and they have outdated information and or some information that is not mine all starting about XXXX years ago when i started checking my credit and learning about my credit. I also have house, car and a house bill in my name in places I have never been in going back to when i was like XXXX years old how does that make sense at that age I'm not able to pay a phone bill use a car or buy a house.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Bank used 4 different numbers, including an unknown number, in 4 hours to contact me while I was at work, was rude and combative on the phone when I complained about this blatant harassment.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
cash app has closed 1 of my accounts and did not handle a reporting problem on my account you cant not reach customer service at all and we get denied service 15 usc 1691 TILA, FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
continental fin co did not send me anything. I do not owe this charge.

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