vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
I recently check my credit report and see some fraudulent accounts, I already try to fix it but the company doesnt give me any information about that those accounts bellow : XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : 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 2025-01-29 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have experience a data breach on several occasions per my social security number. There are addresses that do not belong to me. I have lots of information on my credit that doesnt belong there that is out dated as well as name miss spelled on my report. And lots of Hard and Soft inquiries as well. According to 605B - I need my whole credit report fixed. 

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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX  negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.

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 2025-01-29 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: MI

Complaint narrative:
I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX  negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I XXXX  the phone number for. XXXX  ( cable provider ) to get my bill lowered but it turned out to not be XXXX at all. I discovered this when XXXX took an auto payment for my actual bill. I called them to explain that I already paid my bill. They assured me that the payment was not made ( the original payment ). I called the bank and filed a claim against the charge. They reimbursed me for that one. But the debit card already had XXXX different unauthorized charges. The bank refuses to reimburse me for those charges. The original charge was made on XX/XX/year> The XXXX transactions took place after that thru XX/XX/year>. The bank sent me an email telling me that my balance was 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 monetary relief
Consumer complaint received 2025-01-29 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: KS

Complaint narrative:
My accounts was never late. I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I had a no fee loan arranged through XXXX for 5 years. 

The loan was converted to a credit card in the second year ( approximately ). It seemed a reasonable change. 

In the second year there is an annual fee. I had missed this detail. I called to close the card and Fortiva encouraged me to keep it and reversed the fee. 

The problem is that they charged the Annual fee on XX/XX/XXXX. On XX/XX/XXXX they charged {$0.00} interest. When I asked why there was interest on my no fee loan, they told me the interest was for the annual fee not being paid ... but the fee was charged to my account on XX/XX/XXXX. The interest was charged on XXXX. The statement was sent to me on XX/XX/XXXX. 

I asked for this to be reversed as it is not right to charge interest on a charge that I haven't received a statement for. This is a small amount of money but if Fortiva is charging interest on annual fees to multiple customers before they have a chance to pay it, it is simply wrong and predatory. No credit card company charges interest on annual fees until the month after a charge goes through. 

This is to alert the CFPB that Fortiva is skimming money from customers ( in my opinion ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: WA

Complaint narrative:
I have been disputing an entry on my credit report regarding a XXXX credit Card. I have sent information to the debt collector ( XXXX ) as well as XXXX regarding ownership of this debt. As you can see from the attachment, information regarding me not receiving mail and the fact that I never received copies of any debts associated with card is evident and proof positive that I never knew about this debt, which was subsequently turned over to the FTC for fraud. The ex-wife exhibits furtive behavior while being asked why she was still getting mail. She was clearly hiding this activity from me under the guise of ignorance, so she did not have to disclose to the court her further accumulation of alleged debt. 

I never used this card, any debts associated with this card are hers. On the attachment you will have all the names of the parties involved whom you can feel free to contact to verify this position. This is new and further information in this matter.

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 2025-01-29 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: NJ

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 2025-01-29 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: TX

Complaint narrative:
XX/XX/XXXX is when i submitted my very first letter to all 3 major credit bureaus trying to remove and update all incorrect information due to identity theft. Till today ( XX/XX/XXXX ) nothing has changed. I have filed a second police report on XX/XX/XXXX. I sent all the info of the police reports, I sent all the letters explaining to them that some of the addresses, debt, and collections do not belong to me and they were opened fraudulently. I even asked them to provide proof and info on how they are verifying this debt and nothing has been received from them. Its been over 3 months since I have requested that information. I have froze my accounts and submitted identity theft reports to the FTC. I have MULTIPLE reports. I am about to file a 3rd police report on identity theft. Below are all my FTC reference numbers. For each number I have submitted multiple letters to each of the 3 credit bureaus and nothing is changing on my credit report, and new things keep appearing almost every month. It is disturbing the quality of my life and I need this incorrect/ fraudulent information removed immediately! 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to file a complaint regarding multiple unauthorized credit inquiries on my reports from XXXX, XXXX, and TransUnion. These inquiries were made by various entities, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, between XXXX and XX/XX/year>, without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, a credit report may only be accessed with the consumers written consent or if related to a transaction initiated by the consumer. These inquiries do not appear to meet those conditions. Additionally, Section 1681m requires that I be notified when my credit is used, but I have not received any such notices.

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 2025-01-29 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: IL

Complaint narrative:
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 
The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. XXXX XXXX XXXX  This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Block, Inc.
State: TX

Complaint narrative:
A few days ago, I created a Cash App account, and without warning or reason, it was immediately closed. I have never violated any terms, yet when I attempted to create a new account, I was falsely informed that my device was involved in a violation of Cash Apps policies. This is a completely baseless and unjustified restriction on my ability to use their platform.

I escalated my case multiple times, reaching out to Cash App Support, including a manager-level representative. Despite my repeated efforts, Cash App has : Refused to provide a valid reason for my account closure. 
Blocked my device entirely without justification, preventing me from ever using their services again. 
Ignored my legitimate concerns, responding with vague, automated replies that fail to address the issue. 
Closed my case without resolution, making it impossible to appeal further. 
Why This is a Serious Issue : Cash App is wrongfully restricting financial access without cause or due process. 
They are engaging in unfair business practices, banning users without transparency or the ability to dispute false claims. 
Their failure to provide real customer support or escalation procedures violates basic consumer protection rights. 
What I Demand : A complete review of my case and reinstatement of my account. 
Immediate removal of the device ban, as it is based on false claims.

A clear, written explanation of why my account was closed in the first place.

If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General for an investigation into Cash Apps unfair and deceptive practices. Additionally, I will seek legal action to hold Cash App accountable for wrongful termination of my account and financial interference. 

This issue has caused significant disruption to my business, and I expect a real resolution, not another dismissive response. I urge immediate intervention from regulatory authorities to ensure that Cash App is held accountable for its unfair treatment of users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Under IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. Failure to do so can result in penalties under Internal Revenue Code 6721 and 6722. In Gericke v. Truist, the court clarified that issuing a Form 1099-C is a tax reporting obligation and does not necessarily indicate that the debt has been canceled. Therefore, while the creditor 's failure to issue a Form 1099-C may result in IRS penalties , it does not affect the status of the debt itself.

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