vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Dispute Resolution Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute and Request for Immediate Removal of Secured Credit Card Account To Whom It May Concern, I am formally disputing the secured credit card account ending in XXXX that was opened in my name. I was under the influence at the time and did not fully understand the terms and conditions. Furthermore, this account was the direct result of human trafficking, and its continued presence on my credit report has caused me significant and ongoing harm. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking and removal of any information related to a financial transaction that was a result of human trafficking. This law explicitly protects survivors from further financial and reputational harm caused by fraudulent or coerced accounts. 

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), financial institutions have a legal obligation to ensure consumers fully understand the terms and conditions of their accounts. Given my medical condition at the time, I was unable to provide informed consent, making this account invalid. 

I demand the immediate removal of this account from my credit report. Should XXXX XXXX  fail to comply, I will pursue legal action on the grounds of negligence, consumer fraud, and violations of federal protections for human trafficking survivors. XXXX XXXX failure to take appropriate action would indicate complicity in financial abuse, a serious and inexcusable offense. 

There is no excuse for this. I expect a written confirmation of the accounts removal within 15 days of receiving this letter. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and legal counsel. 

I trust that TD Bank will act in accordance with federal law and immediately take corrective action. 

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 explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
On XXXX XXXX I advised TRANSUNION that I am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my TRANSUNION credit report, copy attached, I noticed a potential violation of my right to privacy through unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me. 

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; TRANSUNION is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Accordingly, TRANSUNION has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), TRANSUNION may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent.

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately. 

See attached TRANSUNION Credit Report dated XX/XX/year> XXXX XXXX XXXX 1. XXXX XXXXXXXX - Account XXXX XXXX 2. XXXX XXXX  CARD Account Number XXXX 3. XXXX XXXX - Account Number - XXXX 4. XXXX MORTGAGE Account Number - XXXX XXXX. XXXX CARD SERVICES Account Number XXXX 6. XXXX XXXXXXXX XXXX XXXX  Account Number - XXXX Additionally, notice was given to TRANSUNION, I, the consumer in fact, rescind and revoke any prior written, verbal or electronic authorization that I may have granted and hereby effective immediately, Nunc pro tunc, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA closed my accounts without notice but is holding the funds that are legally mine. The funds include my VA XXXX pay and military retirement. USAA knowingly placed me in hardship without offering any compromise. I even had a secured CC that I paid to a zero balance which wouldve at least allowed me To eat and have shelter for these past 4 days.

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 2025-02-01 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> TD Bank Dispute Resolution Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Urgent Dispute and Request for Immediate Removal of Secured Credit Card Account To Whom It May Concern, I am formally disputing the secured credit card account ending in XXXX that was opened in my name. I was under the influence at the time and did not fully understand the terms and conditions. Furthermore, this account was the direct result of human trafficking, and its continued presence on my credit report has caused me significant and ongoing harm. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking and removal of any information related to a financial transaction that was a result of human trafficking. This law explicitly protects survivors from further financial and reputational harm caused by fraudulent or coerced accounts.

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), financial institutions have a legal obligation to ensure consumers fully understand the terms and conditions of their accounts. Given my medical condition at the time, I was unable to provide informed consent, making this account invalid. 

I demand the immediate removal of this account from my credit report. Should TD Bank fail to comply, I will pursue legal action on the grounds of negligence, consumer fraud, and violations of federal protections for human trafficking survivors. TD Banks failure to take appropriate action would indicate complicity in financial abuse, a serious and inexcusable offense. 

There is no excuse for this. I expect a written confirmation of the accounts removal within 15 days of receiving this letter. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and legal counsel. 

I trust that TD Bank will act in accordance with federal law and immediately take corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: SC

Complaint narrative:
I have repeatedly requested the removal of a charge-off/collection from my account, yet no progress has been made. The credit reporting agencies have failed to comply with federal law regarding the accurate reporting of information. I requested validation of the account and its removal, but neither Experian nor TransUnion has complied. The account in question, " XXXX XXXX XXXX, '' continues to be inaccurately reported by both agencies.

The credit reporting agencies are required by federal law to respond within 30 days, yet they have failed to do so. Failure to comply with these federal regulations is subject to investigation by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-compliance continue. 

As established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-compliance.

I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to enforce compliance with federal regulations. I seek a prompt resolution to this matter, including the removal of the inaccurate information from my credit report. Please provide a response outlining the steps being taken to address this issue.

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Unauthorized Withdrawals from My Locked Account Dispute Denied I am filing a complaint against Capital One regarding unauthorized withdrawals from my checking account despite my account being locked at the time. 

On XX/XX/XXXX, I was expecting to receive a payment. Instead, I received an OTP ( One-Time Password ), which I mistakenly thought was part of the payment process. The sender used the OTPP I provided to withdraw {$450.00} from my account. They also attempted multiple unauthorized withdrawals, sending me several OTPs. 

I had already locked my account to prevent fraudulent transactions, yet the unauthorized withdrawal still went through. If my account was locked, how was this transaction approved? I immediately reported the fraud and filed a dispute with Capital One, but my dispute was wrongfully denied I am requesting the CFPB to review my case and hold Capital One accountable for failing to protect my funds. I demand a full refund of {$450.00} and a proper investigation into why withdrawals were allowed from my locked account. 

I have attached proof of the OTP messages, transaction details, status to support my claim. 

Thank you for your time and assistance. 

Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 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 2025-02-01 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: NJ

Complaint narrative:
Experian continues to allow XXXX XXXX to report incorrect data on my credit report. Instead of delaying payments as discussed. They are reporting past due amounts that are incorrect. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. 
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 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 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 I looked at my Transunion report on XXXX XXXX XXXX and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information.

In general after any reinvestigation under paragraph ( 1 ) and information disputed

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 2025-02-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX with a balance of {$590.00} XXXX opened XX/XX/XXXX with a balance of {$0.00} The fraudulent inquiries are with : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The fraudulent addresses that shouldnt be reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate Customer Services. 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 ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate Redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a 1099-K form for the XXXX tax season with income reported in column 1a ( gross amount of payment card/third-party network transactions ) and I have no idea what this is about. I do not use the " cash app '' or any services like this. I can not get them to respond to my inquiry or provide any details as to what this is about. I offered to provide them with the account number on the 1099-K form, but they said this wasn't good enough. I called Block Inc, at XXXX, on XXXX XXXX, XXXX, and spoke with XXXX, then had to call back and I spoke with someone who did not identify themselves but told me that they could not give me any information without me knowing the phone number, email or hashtag used for the account. I don't have any of this information. I strongly believe this company is a fraud and is fraudulently being deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NH

Complaint narrative:
I applied for a rural development housing program loan, and they could not approve me for much ( under $ XXXX ) for a home loan due to my credit report showing that I have almost $ XXXX in student loans, when I only have $ XXXX. 

I asked the housing program to supply me with the credit report they had, and I had to request it via wet signature letter. I sent this to the housing program and they provided me with the credit report, which I can provide if needed. Each loan has been repeated twice, once by Mohela - my student loan servicer - and again by Missouri Dept. of Education. 

The phone numbers for each company are listed at the end of the document, however when I call, both phone numbers answer with " Thank you for calling Mohela ''. I have reached out to them daily with emails, and have gotten no response. Every time I try to call, the phone wait is over 5 hours and no one ever answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation