vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
Under section 15 USC Section 1681 my information was compromised from multiple data breaches causing false and inaccurate reports on my credit. I would like this information removed immediately. After items were removed they were also reentered. Thanks. Have a blessed evening.

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 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
THIS IS TO NOTIFY THIS ENTITY OF FRAUDULENT ACTIVITY ON MY ACCOUNT. SINCE HAVING THIS CREDIT CARD I'VE USED IT DAILY. TO START YOUR INSTITUTION XXXX XXXX XXXX PUT A FRAUDULENT CHARGE ON MY CARD CLAIMING A {$250.00} CHARGE FOR XXXX XXXX. MY ELECTRIC COMPANY MIND YOU IS XXXX XXXX XXXX XXXX, LA. XXXXXXXX XXXX. WHICH CAUSES ME TO SUBMIT A FRAUD CLAIM CLOSING MY ORIGINAL, WHICH I DID FILE ON THE XXXXXXXX XXXX XXXXXXXX. ON THE XXXXXXXX XXXX XXXX I WENT IN TO YOUR BRANCH OFFICE LOCATED ON XXXX XXXX XXXX XXXX, LA. XXXX AND PAID THE BALANCE ON THE CARD XXXX IN HAND WHICH TOTALED {$3600.00}. THIS TRANSACTION GAVE MY ACCOUNT A BALANCE OF {$0.00}. XXXX XXXX BANK HELD MY PAYMENT THAT WAS MADE ON THE XXXX XXXX XXXXXXXX AND APPLIED IT XXXX DAYS LATER AFTER REPORTING TO XXXX, XXXX, AND EQUIFAX A BALANCE OF - {$3800.00} AND A UTILIZATION OF 77 %!!! THIS IS VERY DETRIMENTAL HARM AND A FRAUDULENT ATTACK AGAINST [ XXXX XXXX XXXX XXXX  [ WHICH I AM THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. NOW ON A NEW ACCOUNT WITH A CREDIT CARD ENDING IN XXXX WITH A BALANCE THAT WAS - {$3800.00} YOUR INSTITUTION CHANGED IT TO A PRESENT BALANCE OF {$450.00}. MY ACCOUNT HAS BEEN MISREPRESENTED AND MISREPRESENTATION HAS TAKEN PLACE. MY NEXT STEP IS TO FILE A CLASS ACTION LAWSUIT ON YOUR INSTITUTION XXXX XXXXXXXX XXXX  WITHIN XXXX HOURS OF RECEIPT OF THIS TRANSMISSION TO YOUR INSTITUTION. YOU HAVE A CHANCE TO CURE THIS AWFUL INTRUSION OF MY CONSUMER RIGHTS. 

18 USC Section 241 DEFAMATION DISCRIMINATION XXXXXXXX XXXX XXXXXXXX PROFILING MISLEADING INFORMATION ON CREDIT REPORTING. 

LET THIS LETTER OF SERVITUDE SERVE AS A VITAL WARNING!!! 

SINCERELY : THXXXX 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 2025-02-08 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: LA

Complaint narrative:
THIS IS TO NOTIFY THIS ENTITY OF FRAUDULENT ACTIVITY ON MY ACCOUNT. SINCE HAVING THIS CREDIT CARD I'VE USED IT DAILY. TO START YOUR INSTITUTION XXXX XXXX XXXX PUT A FRAUDULENT CHARGE ON MY CARD CLAIMING A {$250.00} CHARGE FOR XXXX XXXX. MY ELECTRIC COMPANY MIND YOU IS XXXX XXXX XXXX XXXX, LA. XXXXXXXX XXXX. WHICH CAUSES ME TO SUBMIT A FRAUD CLAIM CLOSING MY ORIGINAL, WHICH I DID FILE ON THE XXXX XXXX XXXXXXXX. ON THE XXXXXXXX XXXX XXXX I WENT IN TO YOUR BRANCH OFFICE LOCATED ON XXXX XXXX XXXX XXXX, LA. XXXX AND PAID THE BALANCE ON THE CARD XXXX IN HAND WHICH TOTALED {$3600.00}. THIS TRANSACTION GAVE MY ACCOUNT A BALANCE OF {$0.00}. XXXX XXXX XXXX HELD MY PAYMENT THAT WAS MADE ON THE XXXX XXXX XXXXXXXX AND APPLIED IT TWO DAYS LATER AFTER REPORTING TO TRANSUNION, XXXX, AND XXXX A BALANCE OF - {$3800.00} AND A UTILIZATION OF 77 %!!! THIS IS VERY DETRIMENTAL HARM AND A FRAUDULENT ATTACK AGAINST [ XXXX XXXX XXXX XXXX XXXX WHICH I AM THE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. NOW ON A NEW ACCOUNT WITH A CREDIT CARD ENDING IN XXXX WITH A BALANCE THAT WAS - {$3800.00} YOUR INSTITUTION CHANGED IT TO A PRESENT BALANCE OF {$450.00}. MY ACCOUNT HAS BEEN MISREPRESENTED AND MISREPRESENTATION HAS TAKEN PLACE. MY NEXT STEP IS TO FILE A CLASS ACTION LAWSUIT ON YOUR INSTITUTION XXXX XXXX XXXX WITHIN 72 HOURS OF RECEIPT OF THIS TRANSMISSION TO YOUR INSTITUTION. YOU HAVE A CHANCE TO CURE THIS AWFUL INTRUSION OF MY CONSUMER RIGHTS. 

18 USC Section 241 DEFAMATION DISCRIMINATION XXXXXXXX XXXX XXXX  PROFILING MISLEADING INFORMATION ON CREDIT REPORTING. 

LET THIS LETTER OF SERVITUDE SERVE AS A VITAL WARNING!!! 

SINCERELY : 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 non-monetary relief
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am a victim of identity theft. I didnt not authorize anyone to open these accounts without my authorization. These accounts do not belong 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 2025-02-08 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: NC

Complaint narrative:
I am a victim of identity theft. I didnt not authorize anyone to open these accounts without my authorization. These accounts do not belong 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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. XXXX  Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 1,268 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One.regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, 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 XXXX 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 58 misleading practices and failure to fulfill their advertised promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
To Whom It May Concern, Account Name : [ XXXX ] Account Number : [ XXXX ] Date : [ XXXX ] I am writing to formally dispute the reporting of the above collection account as an " open account '' on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all credit reporting is accurate and in compliance with the law. This collection account being reported as " open '' is not in compliance with FCRA guidelines and is an inaccurate entry. 

Under the FCRA, I request that this collection account be removed immediately from my credit report, as it does not meet the requirements of an " open '' account under the legal definition.

In support of my request, I refer to the following sections of the FCRA : Section 605 ( a ) - Time Period for Reporting of Negative Information This section outlines the time limits for reporting negative information on a credit report. A collection account that is inaccurately reported as " open '' may violate the time-frame restrictions and should be removed if it exceeds the time limits for reporting.

Section 609 - Right to Consumer Report This section gives me the right to request and receive a copy of my credit report upon the deletion of the inaccurate information. Once the collection account has been properly removed, I request that a revised copy of my credit report be sent to me for verification. 
Section 611 - Procedure in Case of Disputed Information Under this section, I have the right to dispute any inaccuracies in my credit report. Once I dispute an item, the credit reporting agency must investigate the accuracy of the entry. If the collection account is determined to be inaccurate, it must be removed. 
I expect this issue to be resolved promptly, in accordance with the FCRA. Please send me an updated copy of my credit report once the collection account has been deleted. Failure to comply with this request will leave me no choice but to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal recourse. 

Thank you for your immediate attention to this matter. Please provide written confirmation that the account has been removed, as required by law. 

Sincerely, 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Request of deep investigation according to my credit records XXXX XXXX, and XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX XXXX this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
Request of deep investigation according to my credit records XXXX XXXX, and XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX XXXX this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation

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 2025-02-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I have used this service in the past and didn't have any results. I wasted a lot of my hard earned money believing that this company could help me with my credit. I heard about the lawsuit and I am concerened that my address in the system was old. I have relocated and I would like to ensure that my case is properly investigated for the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
Equifax has failed to fulfill its legit 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 Equifax failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Equifax where neither has been corrected nor removed or amend disputed accounts as Equifax actions violate federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: OK

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Court order case dismissal documents XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/year>. Breach Stolen identification during pandemic. I reach out they wouldnt let me come to the main office in XXXXXXXX XXXX  to show proof from Unemployment stolen identity fraudulent documents. And they stop taking my calls send one letter I mail the documents in but no response for a long time then I noticed its on my credit report They just close my account and report me to credit bureau. 

XXXX toke over XXXX XXXX XXXX XXXX few weeks after I cancel with XXXX XXXX and they just start billing me and report to credit bureau I spoke to XXXX XXXX XXXX but they kept saying we toke over the XXXX XXXX XXXX company kept saying Im I XXXX them I cancel the sheriff dept account and XXXX XXXX the same day before I had knowledge of XXXX buying them out. {$450.00} on XXXX XXXX I cancel I time and they charge me cause I went I State Farm insurance. {$180.00} 2023

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 2025-02-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I opted out of any and ALL authorization, I, the consumer, may have given, written, unwritten, verbal and non-verbal, per 15 USC 6802.

Navy Federal Credit Union has violated by non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation