vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Stole my money from XXXX XXXX XXXXXXXX and then COMERICA Bank. XXXX XXXX  XXXX STOLE MY STIMULUS money was talking suppisous activity. THEN Comerica Bank stole as well. Every time I try to check my account it's blocked then when this guy pretended to be a XXXX XXXXr. Stole my card I tried to shut it down the Comerica Bank wouldn't shut the card dwn. Why she told me the reason she couldn't do it she lied and said I didn't know my security question. That she never asked THEN {$560.00} CAME UP MISSING OFF MY CARD SO I HAD TO ASK MY SON FOR HELP. 
THEN I TOLD ONE OF THERE EMPLOYEES THAT {$6100.00} WAS MISSING AS WELL. THEN THE BANK COMERICA STARTED TAKING MONEY FROM A FEW DIFFERENT PLACE. NEED HELP TO GET ALL MY MONEY BACK IN XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My personal and financial information was compromised without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: OK

Complaint narrative:
Debt versus XXXX, misclassification of accounts. Wrong information, not up to date information

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 2025-02-17 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: OK

Complaint narrative:
Debt versus XXXX, misclassification of accounts. Wrong information, not up to date information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
use security and regulatory compliance.on behalf of CashApp Data Breach of my cash app information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
XXXX Dear Representative, American Express continues to engage in intentional, deceptive, and abusive billing practices that violate my consumer rights as evidenced by the following : Exhibit 1 is the written policy from American Express stating that I do not have to pay on the account while my account is in dispute. 
Exhibit 2 is the letter from American Express dated XX/XX/2024 which provides 30 days for me to provide additional information to support my dispute. 
Exhibit 3 is the XX/XX/2024 billing payment from American Express which is in direct contradiction of their written policy. 
Exhibit 4 is the screen shot of the additional dispute information that I attempted to uploaded to American Express on XX/XX/2024 at XXXXXXXX XXXX. 
This screen shot clearly shows that the dispute was processed and closed simultaneously without review. 
Exhibit 5 shows where my account was blocked from additional dispute submissions on XX/XX/2024 while my account was in the written dispute timeline.

Exhibit 6 shows where American Express has a pattern of blocking consumer disputes. 
This has been a recurring act by American Express. This is a blatant violation of my consumer rights As a small business owner, strong business credit is our life-line. It is essential to my financial stability and operations. Therefore, in spite of these deceptive practices, I have continued to pay the account in order to protect my business credit. 
The actions of American Express have caused significant stress and financial harm, jeopardizing my ability to sustain my business. 
American Express failure to adhere to its own dispute resolution policies is not only harmful to small businesses but also represents a breach of trust in its relationship with consumers. I urgently request consumer protection intervention to address these systemic issues and prevent further harm to myself and others. 
I also request a full reversal of the entire balance of my account due to the mishandling of my dispute and the associated violations of my consumer rights. 
Thank you for your consumer protection. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Navy Federal Credit Union and XXXX regarding a serious incident of fraud that has significantly impacted my financial standing and personal well-being. 

On XX/XX/year>, I was issued a check from Navy Federal Credit Union to purchase a vehicle. Following the issuance of this check, it was unfortunately stolen from me. The check was subsequently cashed at XXXX without the proper endorsement and without my signature. This transaction was executed negligently on the bank 's part, as proper procedures for validating the authenticity of the check and the identity of the signer were evidently not followed. 

I have been in communication with Navy Federal regarding this incident ; however, they have placed an undue burden upon me, holding me responsible for the loss despite the clear evidence of fraud. The individual who cashed this check has since been arrested and indicted in superior court for this crime. I have been collaborating with XXXX XXXX of the XXXX Police Department, who has confirmed that the individual acted fraudulently in cashing the check. 

Additionally, investigators from the DMV and the XXXX Police Department are aware of this situation and support the assertion that the check was cash fraudulently. Given this context, it is unacceptable for Navy Federal to hold me accountable for a crime I did not commit. 

This entire ordeal has not only caused me financial distress but has had a detrimental impact on my credit as well, as I am now facing the repercussions of this fraud in attempts to clear my credit. This situation obliges me to seek legal restitution for the negligence displayed by both banks in allowing this to occur. 

I respectfully request that the CFPB investigate this matter thoroughly. I am seeking a resolution that includes the clearance of any negative impact on my credit history arising from this incident, as well as accountability for the negligence exhibited by Navy Federal Credit Union and XXXX. 
Being that this person got access to so much of my personal information there are several items on my credit report that should be removed. I am working diligently with law enforcement regarding this matter of obtaining property by false pretense and ruining my identity and credit in the process. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a swift resolution. 
I have attached a copy of the check and the arrest records regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was charged excessive amount of overdraft fees. This was not made completely clear to me opening my account. It was so bad. The only way for me to continue paying bills. I was forced to retract my direct deposit. They would not allow me to close account. I was forced to allow them to max out their fees. Then report to my credit.

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 2025-02-17 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: MS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information.

Please find my personal details below for your reference : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX Account Number : 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone created a fradulent account on Equifax with my name, SSN, and other sensitive information. 

Equifax is escalating this matter to get resolved. In the meantime a freeze has been put on my account. 

Equifax shared information of the fraudlent party to me, below is the information used to create the fraudlent account : email : XXXX phone : XXXX If needed, I have a case number with Equifax on this escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I downloaded the Experian app and the information for customer service is scamming 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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have tried several times to close the paypal account. Over a year ago, I was told I had accounts connected to Paypal and could not close the account until they were disconnected from Paypal. Within the past two months I have spoken to PayPal on the phone, at least twice. They told me they had to do something in the background and then I would be able to close the account. I waited a week, followed up and they said to complete the process on a laptop, just not on a phone or tablet. Well today when I tried on my laptop, the issue was the password, so each time I put in the password it will not log in. I copied the password from my phone, emailed to myself and tried to login on the laptop and that did not work. This password works on my phone.

I am tired of the run around to close this account!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took a loan for {$600.00} from Speedy cash to pay XXXX XXXX XXXX XXXX since I had to take XXXXXXXX XXXX XXXX XXXX XXXX. The loan was XXXX. Between XXXX and XX/XX/XXXX they garnish or levy over $ XXXX and now again XX/XX/XXXX they say I owe $ XXXX this is ridiculous. I have XXXX XXXX and caring for my XXXX XXXX XXXX about to lose my home and car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TN

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TN

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-17 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: FL

Complaint narrative:
This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

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 2025-02-17 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: MI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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