vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX, has violated my rights.

according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am writing to file a complaint against Credit Acceptance Corporation ( CAC ) for illegally reporting incorrect last payment dates on my credit report. This appears to be a deliberate attempt to extend the reporting period of a debt that should have already expired. 
Specific Allegations : * Incorrect Last Payment Date : CAC initially reported the last payment on the account as XX/XX/XXXX. However, they recently changed this date to XX/XX/XXXX. This manipulation appears designed to artificially extend the reporting period of the debt and prevent it from falling off my credit report as it should in XX/XX/XXXX. 
* Acknowledgment of Vehicle Sale to Attorney General : I believe CAC is aware that the vehicle associated with this account was sold at auction. Despite this, they continue to report the account as active and attempt to collect on the debt. 
* Deceptive Practices : CAC has engaged in deceptive tactics to keep the debt active on my credit report. These tactics may include : * Misrepresenting the status of the account : Claiming the account is still open when it should be closed or charge off.

* Providing false information about payment history : Reporting incorrect payment dates and amounts.

* they acknowledged the vehicle sale to the Attorney General.

Impact on Me : This inaccurate and misleading reporting by CAC has negatively impacted my credit score. It has made it difficult for me to obtain loans, rent apartments, and secure employment. I believe CAC 's actions are illegal and unfair.

Request : I request that the CFPB investigate this matter and take appropriate action against Credit Acceptance Corporation for their deceptive and illegal reporting practices. I also request that the inaccurate information be removed from 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 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear XXXX XXXX XXXX, I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on various credit reporting platforms. Despite my credit card statement clearly indicating that my account has been paid in full, Equifax continues to display erroneous information that misrepresents my credit status. 

On XX/XX/year>, I received my credit card statement from XXXX, which shows that my account balance was {$0.00}, reflecting that all payments have been made in a timely manner and that the account is settled. However, upon reviewing my credit report, I found that Equifax has inaccurately reported my payment status, which negatively impacts my credit score and overall financial standing. 

I have attempted to resolve this matter directly with Equifax by providing the necessary documentation to support my claim, including a copy of my credit card statement. As per the Fair Credit Reporting Act ( FCRA ), when a consumer provides documentation to correct inaccurate information on their credit report with a Consumer Reporting Agency ( CRA ), the CRA is obligated to investigate and modify the information accordingly. Unfortunately, Equifax has failed to fulfill this obligation, which constitutes a violation of the FCRA. Essentially, not correcting inaccurate information when presented with evidence violates the rights of consumers and undermines the integrity of the credit reporting process.

The continued misreporting of my credit status not only affects my creditworthiness but also adds unnecessary stress to my financial situation. I kindly request that the Consumer Financial Protection Bureau investigate this matter and hold Equifax accountable for their failure to correct the inaccuracies in my credit report. I would appreciate your assistance in ensuring that my credit report reflects accurate information and that my rights as a consumer are upheld.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
{$100.00} I sent XXXX transactions of {$50.00} to cash app tag $ XXXX. They stated they were sending it back but never sent it back. Cash app stated I would have to go through my bank which my bank revered the credit and I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 proces 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 479 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

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 2025-01-26 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: AL

Complaint narrative:
I HAVE SOME SCCOUNTS ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE, AND NOT TRUE. THESE ACCOUNTS ARE A VIOLATION THE FCRA AND MUST BE DELETED IMMEDIATELY. THEY HAVE INACCURATE INFORMATION IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY/STATUS DATE ON EACH ACCOUNT BETWEEN XXXX, TRANSUNION AND XXXX. DELETE THESE ACCOUNT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol one didnt allow me to continue trying a payment plan for the {$280.00} balance on XXXX XXXX due to the account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to Experian pertaining to inaccuracies on my credit report, and I believe they have failed to comply with their obligations under the following sections of U.S. Code : 15 USC 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 USC 1681s-2 This section deals with the responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681i ( 5 ) This section mandates that if a consumer report is provided to a person, the agency must complete its investigation within a reasonable time.

15 USC 1681c ( c ) This section addresses the responsibilities regarding the reporting of certain types of information.

I have not received a satisfactory response and have learned of the recent lawsuit against Experian, which highlights their failure to adequately investigate disputes and properly handle errors in consumer reports. This raises serious concerns about their compliance with federal regulations and their impact on consumers ' access to credit, employment, and housing. Closed accounts, hard inquiries, and collections is being a severe detriment in my life I made many disputes since XXXX XXXX  and no results I sent letters and everything and no response. 
I request that the CFPB investigate my complaint and take appropriate action against Experian for their failure to comply with federal law. It is vital that they are held accountable for their actions and that consumers receive the accuracy and fairness they are entitled to under the law. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the status of my complaint.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I commissioned someone to make an animated video of my characters. I had reached out XX/XX/XXXX and received no response. After continuous checking of their PayPal, XX/XX/XXXX I discovered they have blocked me on PayPal. I paid half the full price and was going to pay the rest once they had completed the commission. That day never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have fraudulent inquiries on my XXXX, XXXX, XXXX credit bureau reports please present permissible proof I requested theses inquiries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes and unfair and deceptive act or practice under the CFPA.

Furthermore, Cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementation regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have cause significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Deletion of Account from Credit Report To Whom It May Concern, This letter confirms that XXXX XXXX XXXX has agreed to delete the following account from the credit report of XXXX XXXX : Account Holder Name : XXXX XXXX Address : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Installment Date Opened : XX/XX/XXXX This account is currently marked as open with a {$0.00} balance. In accordance with applicable regulations and our agreement, we request that this account be permanently removed from XXXX XXXX 's credit report. 
Please process this deletion promptly and confirm the update in writing. If additional information is required, please contact us at the details provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX ___________________________ Authorized Representative Signature Page XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I have tried to dispute loans on my account that I have no knowledge of and they have been written off and paid off charged off and they are still reporting these on my credit report. I tried to dispute with experian and equifax and nothing has happened. Its affecting my credit report negatively. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am submitting this complaint due to the credit reporting agencies continued failure to correct inaccurate information and their deliberate stalling tactics in resolving my disputes regarding an account from XXXXXXXX XXXX XXXX Account # XXXX ). Despite multiple disputes submitted to XXXX, Equifax, and XXXX, this account remains inaccurately reported and inconsistent across all three credit reporting agencies. XXXX reports the account as XXXX XXXX - XXXX XXXX and settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX reports the account as Paid and legally settled for less than the full balance, with a last reported date of XX/XX/XXXX. Equifax continues to report the account as XXXX XXXX but has updated it as of XX/XX/XXXX, despite the account being settled years earlier. These conflicting reports violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate the credit reporting agencies failure to maintain maximum accuracy as required by 15 U.S.C. 1681e ( b ). I have repeatedly disputed this account with all three credit reporting agencies. Instead of resolving the errors, they have delayed their responses, ignored my disputes, or improperly verified inaccurate information without conducting a proper investigation. This behavior is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information within 30 days. Additionally, I have requested a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), yet the credit reporting agencies have failed to provide an adequate response. Their failure to disclose their verification process further suggests that this account can not be properly verified and should be removed.

Company response to consumer: Closed with explanation