vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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:
I am a victim XXXX XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$120000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$840.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$4000.00} XXXX - XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX -- {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX -- {$140.00} XXXX XXXX XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4000.00}

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 2025-02-12 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The XXXX XXXX XXXX  I worked for filed bankruptcy, hard to find a XXXXXXXX XXXX XXXX worked where I could, still paying bills on time. TJX card payments went up almost doubled with higher interest rate. I called TJX to close account to save on the usury fraudulent fees with payment of $ XXXX  monthly and agreed to use my bank account XXXX time and then pay by mail. I called and TJX didn't honor our agreement forcing me to close my account and start a new one. My account was allocated to other payments. Other credit cards accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX ) started to do the same thing, increasing payments and fees, fraudulent transactions on accounts, which lead me to close XXXX more cards. I making payments, but their fraudulent activities is more than I can handle. I made a small payment to TJX rewards to keep from being late, they cash the check, but still entered my payment as late on my credit report. I called to negotiate a lower payment, but TJX refused. These fraudulent overprice interest, payments, and transactions is 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I noticed that Cash App placed a hold on my funds without a clear explanation. The amount withheld is [ insert amount ], and despite my repeated attempts to resolve the issue, the funds remain unavailable. 

I reached out to Cash Apps customer service on XX/XX/XXXX and consistently ever since that, but their responses have been inconsistent and unhelpful. They keep telling me to wait for a response but its been a week .They have not provided a timeline or valid reason for withholding my funds. This situation is causing unnecessary financial hardship, and I am requesting immediate assistance to release the funds or provide a concrete explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$910.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$870.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$180.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NV

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-12 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXXXXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writin gto formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-12 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 Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Fundig and their collections partner, Resurgent Capital, have been receiving dispute requests for over six months and not taken them seriously.

My credit report has been recently pulled to find a new rental for my home in both XXXX and XXXX XXXX. I have immediately denied HOUSING in both cities becuase of credit card debt listed on my report that is : a ) several years old b ) settled and CURRENT c ) the result of medical bills Although I stated all these facts when I disputed my directly with both LVNV and Resurgent, all they did was " verify '' the accounts and not look into whether they were actually legal, or had any affect on my ability to pay rent and keep a roof over my head ( they do not ). 

As I said, all my debt is being serviced ( through XXXX ) and this account is CURRENT. 

I would like to add I never gave permission for any of my debt to be sold to a third party. Both LVNV and Resurgent have no legal standing to collect on my debt, let alone report it to the bureaus. When I requested it be removed, I was flatly told NO and to file suit if I had a problem. I do have a problem. My debt is serviced, current, and I am unable to provide basic needs due to nefarious and illegal reporting practices. 

My lease is up and my apartment building suffered an electrical fire on XX/XX/year>. I have to move. I work in a job where I am paid enough to cover rent for the properties I am applying for and I am about to befcome homeless becuase serviced debt remains on my reports and none of the bureaus, or the lenders directly are bothering to listen to me, or do their due diligence to help and allow me to move forward with my life. Housing is a basic human need and I am being denied it. Continuously. I have a perfectly reasonable credit score ( XXXX XXXX despite the nefarious reporting ) and years of flawless payment history, however, I can not RENT AN APARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: FL

Complaint narrative:
Dear CFPB, I am writing to report a discrepancy in my student loan balance after consolidation. The remaining balance of my loan, prior to consolidation, was under {$20000.00}. However, I recently received a letter from Mohela, which shows XXXX separate amounts : {$55000.00} {$17000.00} The {$17000.00} is accurate, as it reflects the amount after attending the XXXX XXXX XXXX This amount was discharged at 100 %. However, I can not identify the source of the {$55000.00}, as this does not reflect my debt and I attended school for less than 3 years. 

I have contacted Mohela directly to clarify this issue, but I have not received any feedback or explanation regarding the {$55000.00}. I request assistance in resolving this matter and determining where this additional amount is coming from. 

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

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

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 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 misleading practices and failure to fulfill their their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXXXXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I woke up to my Cashapp account closed due to gambling.. I only use my account to pay my bills and receive my direct deposit from work. when i appealed with cashapp they informed me this would take 30days to resolve. I am expecting my income tax return to that account and now due to them closing it that will further my expected return date. Also this is hindering me from paying my bills that are due this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
As someone who actively works on improving my credit, I had paid off and closed my Avant card on XX/XX/year>2024. 

Right before the holidays, I received an alert on my XXXX XXXX that my balance had increased substantially. I logged in to see this was on my previously owned Avant card. Upon further investigation I not only found over {$3100.00} in charges racked up in one day in New York ( somewhere I have not been in at least 10 years ) but also that they had changed my address on the account to an apartment in New York. I immediately contacted Avant and informed them that the card should have been closed and that these charges were not me as I had destroyed the card when I paid it off. They had started an investigation, credited my charges and confirmed to me that the account was indeed closed this time for sure and locked. I even signed up for life lock immediately to avoid further fraud issues as I now feared for total identity theft. Now on XX/XX/XXXX I have received a letter that they put the charges back on my statement and feel that their investigation shows I am responsible. I tried to call to speak with someone to see what investigation materials they have that can prove this. The phone number on the letter they sent leads to just a voicemail and at this point I have no trust that I am even speaking to a real person. I am looking for some assistance to please get this card off of my credit which it is ruining and to have these fraudulent charges reversed as they were not me. Willing to seek legal help if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank ( Ollo Card ) has been receiving dispute requests for over XXXX months and not taken them seriourly. My credit report has been recently pulled to find a new rental for my home in both XXXX and XXXX XXXX. I have immediately denied HOUSING in both cities becuase of credit card debt listed on my report that is : a ) several years old b ) settled and CURRENT c ) the result of medical bills Although I stated all these facts when I disputed my directly with Ally Bank all they did was " verify '' the account and not look into whether they were actually legal, or had any affect on my ability to pay rent and keep a roof over my head ( they do not ). As I said, all my debt is being serviced ( through XXXX ) and this account is CURRENT. 

My lease is up and my apartment building suffered an electrical fire on XX/XX/year>. I have to move. I work in a job where I am paid enough to cover rent for the properties I am applying for and I am about to befcome homeless becuase serviced debt remains on my reports and none of the bureaus, or the lenders directly are bothering to listen to me, or do their due diligence to help and allow me to move forward with my life. Housing is a basic human need and I am being denied it. Continuously. I have a perfectly reasonable credit score ( XXXX XXXX despite the nefarious reporting ) and years of flawless payment history, however, I can not RENT AN APARTMENT.

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