vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have had requested the credit bureaus to fix several incorrect information on my credit report and they have not done so. I also sent them an identity theft report and they still not removing the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OK

Complaint narrative:
I would buy something with my card and it would be a pending for number of days which the account amount would never change until i was charged a overdraft fee for something thinking i still had the money on my card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have had requested the credit bureaus to fix several incorrect information on my credit report and they have not done so. I also sent them an identity theft report and they still not removing the incorrect 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am filing a formal complaint against Marcus by Goldman Sachs regarding unfair and deceptive banking practices, in violation of the Consumer Financial Protection Act ( CFPA ) and other applicable regulations. 

1. Unlawful Freezing of Funds Without Justification Marcus by Goldman Sachs has temporarily locked my account without proper cause, despite my compliance with their verification process. I have successfully verified the trial deposits sent to my bank and confirmed the amounts, yet my account was still flagged and locked, restricting my access to my own funds. 

2. Unreasonable & Unnecessary Document Requirements After complying with initial verification, XXXX is now requiring me to submit paper bank statements via mail, rather than accepting secure electronic delivery. This unnecessary barrier creates an unreasonable delay of at least 2-3 weeks before they even begin verifying my account, preventing me from accessing my money. This delay is excessive and unfairly restricts my ability to transfer or withdraw my funds, constituting a deceptive banking practice. 

3. Possible Violations of the Electronic Fund Transfer Act ( EFTA ) & Regulation E Marcus by Goldman Sachs actions may violate the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ) by : Failing to provide timely access to funds after verification. 
Implementing unreasonable delays that prevent me from transferring my legally owned money. 
Creating unnecessary barriers that could constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

4. Pattern of Similar Complaints & Concerns of Withholding Funds Upon researching this issue, I found that multiple customers have reported similar issues where Marcus by Goldman Sachs arbitrarily restricts access to funds, making it difficult or impossible to withdraw money. These widespread reports indicate a systemic issue of unfair banking practices. 

Requested Resolution I request that : Marcus by Goldman Sachs immediately restores access to my account and releases my funds. 
The CFPB reviews XXXX account freezing and verification policies to determine whether they are engaging in unfair and deceptive banking practices. 
XXXX provides a clear, reasonable, and accessible verification process that does not impose arbitrary delays or unnecessary document submission barriers. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
[ Your Name ] XXXX XXXX XXXX XXXX XXXX Mt. XXXX, XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Ford Motor Company Account from My Credit Report I am writing to formally dispute the continued reporting of an account from Ford Motor Company on my credit report. This account has been on my report for more than seven years, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts, including charge-offs and collections, must be removed from a consumers credit report after seven years from the date of first delinquency.

The continued presence of this outdated account is negatively impacting my credit score and preventing me from securing essential credit opportunities for everyday purchases. I kindly request that you investigate this matter and remove the Ford Motor Company account from my credit report immediately, as its continued reporting is in direct violation of federal law. 

Please provide me with written confirmation once this account has been removed. If it is not removed, I request a detailed explanation, including documentation verifying the date of first delinquency. If I do not receive a satisfactory response within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I appreciate your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: W&A Intermediate Co., LLC
State: ID

Complaint narrative:
In XXXX of last year I made a payment to XXXX XXXX at the number they provided on their website for Tennessee XXXX, that went through. Then next month I decided to pay the rest of this bill in full since I had a XXXX discount of 50 % at least that's what they told me, however I didn't notice that the numbers were different then what I was calling and decided to keep going without noticing the difference. This second number was XXXX XXXX and another was XXXX XXXX. I started to pay it off but more kept coming so I got suspicious. They also kept telling me that they'll help me and took my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a Cash App debit card in the mail yesterday ( XX/XX/year> ) with my name which I did not apply for. I have never used Cash App or created an account. I believe I have been a victim of identity theft and someone used my information to open the card under my name. I have contacted Cash App and requested them to disable the card, and the account associated with the card because it was not opened by me. They have sent an email asking me questions and also ask that I upload a front and back image of the debit card so they can investigate and disable the card and close the account once they can determine it is open fraudulently and provided them all the information they were looking for. The case number I was assigned is XXXX. I already froze my account for the 3 major credit bureaus approximately 5 months ago, but somehow Cash App allowed an individual to open an account and debit card under my name without my consent. I have already filed a police report notifying them of the identity theft incident as well. I have messaged Cash App from the initial email they sent with the case number and questions they needed but have not received a response acknowledging whether they were able to close the account and disable the debit card. I called them and the person answering the phone was not able to provide any additional information as well on the case. I read online that a lot of people were encountering the same thing where they received a Cash App debit card without opening ones themselves and with most not even having used Cash App like myself. This is not an isolated incident and Cash App needs to address this problem of fraud and identity theft that persist with their company and using compromised information to open the accounts of unsuspecting victims. Those same people that have fraudulent accounts and debit cards opened under their name from Cash App also received 1099-K forms from XXXX, the parent of Cash App, most likely because these fraudulently opened accounts act as a Cash App business account and have bad actors transferring money into these accounts as a way of possibly laundering money I suspect. This also leaves the victims on the hook for taxes from the 1099-K form that XXXX sends out because the bad actors have used the victim 's social security number as a means to create a Cash App business account and transfer money to account as a way to launder money leaving the victim on the hook for taxes from those transaction. I hope to resolve the issue Cash App because I was a victim of identity theft and did not open the Cash App account or request for a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

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. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Over the past 5 years I have attempted to have this company remove false information from my credit report with little to no success. Each time they tell me they have verified the information on my account as accurate I ask for proof of this verification which they deny to provide which is illegal. I have good history of reporting false information on my report directly to this company as well as through the CFPB.

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 2025-02-05 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX 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 2025-02-05 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: CA

Complaint narrative:
I got a notification that a hard inquiry was made on my Transunion credit report on XX/XX/2024.I called them and reported that it wasn't me. It was with XXXX XXXX. I had all my credit accounts frozen and have called both XXXX XXXX and Transunion several times and its still there. Now Transunion says after 3 months of calls back and forth that I have to report to you and make a written request to have it taken off.

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 2025-02-05 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: TN

Complaint narrative:
I am formally disputing the inaccurate information currently listed on my credit report. This error is unacceptable, and I demand that it be corrected or completely removed without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX  XXXX balanced {$260000.00} XXXX XXXX balanced {$10000.00} XXXX XXXX balanced {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit report company wont remove a account called national credit adjusters its considered paid collections even though I got a letter that national credit adjusters told equifax and Experian to remove trade line from credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
XXXX XXXX XXXX Subject : Urgent Request for Credit Report Removal Paid in Full by Insurance To Whom It May Concern, I am writing to formally dispute the continued reporting of this debt on my credit report. This debt was paid in full by my insurance, and there is no valid reason for it to remain on my credit file as an outstanding or delinquent account. I have verified with my insurance provider that full payment was made directly to the creditor, satisfying the balance in its entirety. Therefore, I am requesting that this account be immediately removed from all credit bureaus to which you have reported. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted from a consumers credit report. As this debt has been fully resolved through my insurance, its continued presence on my credit file is erroneous and misleading, negatively impacting my creditworthiness. If this matter is not addressed promptly, I will have no choice but to keep filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal remedies if necessary. 

Please confirm in writing that this account has been removed from my credit report. I expect a response within 30 days, as required by law. Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-02-05 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: FL

Complaint narrative:
I mailed letters to credit bureau asking for them to please look into these accounts and to also send documentation with my signature or the original contracts. They responded back saying they checked but they sent no evidence that I asked for.

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 2025-02-05 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: FL

Complaint narrative:
I mailed letters to credit bureau asking for them to please look into these accounts and to also send documentation with my signature or the original contracts. They responded back saying they checked but they sent no evidence that I asked for.

Company response to consumer: Closed with explanation