vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have Disputed this account from XXXX And Equifax they removed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/year> BALANCE {$780.00} ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX to turn around and put back on my credit report with the proper investigation without any additional information. Im very vivid!! They are selling my information which is a violation of rights I dont have a contact with any of these companies nor have given them permission or consent. They are making monetary fee off of me. For them just place this for me and my character, credit to be able get my fair credit worthiness. I believe I am being judged treated unfairly under the fair credit act. I have sent in my documents from ftc report my police report reporting it to cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one platinum card debt was charged off but company still keeps sending me letters to pay debt request a 1099c but was ignored charge off amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Everything was going fine and smooth, but nowhere, today, automated system of PayPal imposed direct permanent restriction on my account without any detailed explanation of the issue. 

Reference ID : XXXX has been imposed and I believe this is made in an error. 

The phone support is behaving rudely, so I had no option but to file a complaint. 

Please check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 this violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XX/XX/year>

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to access my credit report through Equifax 's online platform but was blocked without explanation. The system directed me to call Equifax support for further assistance. 

During the phone call with support on the same day, I was required to provide extensive personal information for identity verification, which I found concerning due to the potential security risks. After completing this verification process, I was instructed to return online to access my credit report. 

When I attempted to access my report again online, I was blocked for the second time and was once again directed to call support. Frustrated but determined to resolve the issue, I called support again. During this second call, I requested a written explanation regarding the denial of access to my credit report. Instead of addressing my concern, the representative abruptly ended the call. 

Equifax has not provided me with any written notice or explanation for denying me access to my credit report, as required by the Fair Credit Reporting Act ( FCRA ). This has caused me significant inconvenience, wasted my time, and has left me concerned about my financial security. 

Resolution Sought : Provide a written explanation for why I was denied access to my credit report. 
Resolve the issue promptly and ensure I can access my credit report without further unnecessary delays or burdensome verification. 
Ensure that Equifax complies with FCRA regulations to prevent such issues in the future. 
I request that the CFPB intervene to ensure Equifax addresses this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Credit reporting agencies are in collusion with each other, trying to force me to accept a name that I dont use when I apply for credit. I do not use XXXXXXXX XXXX XXXX XXXX on anything that I filed for so they need to remove that name and any accounts up under that name?. CFPB is suing the credit bureaus for not doing a proper investigation of the clients request to investigate their mishaps. I just provided information showing that the credit unions reporting agency are in collusion with each other XXXX, Transunion and XXXX  all using the same tactics trying to force me to use XXXX XXXX XXXX XXXX  on credit that I dont apply for in that name that is fraud so I want to be a part of the lawsuit

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Credit reporting agencies are in collusion with each other, trying to force me to accept a name that I dont use when I apply for credit. I do not use XXXXXXXX XXXX XXXX XXXX on anything that I filed for so they need to remove that name and any accounts up under that name?. CFPB is suing the credit bureaus for not doing a proper investigation of the clients request to investigate their mishaps. I just provided information showing that the credit unions reporting agency are in collusion with each other XXXX, XXXX and experience all using the same tactics trying to force me to use XXXX XXXX XXXX XXXX on credit that I dont apply for in that name that is fraud so I want to be a part of the lawsuit

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is a request to remove all late payments from the account # XXXX. During these times, I was going through a tough time mentally, financially and socially due to the state of emergency around the world. I have now recovered and am on track with the terms per our Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX is contacting me about an account that fraudulent. I didnt authorize or receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MN

Complaint narrative:
Whom It May Concern, I am filing this complaint against Equifax due to their repeated failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Additionally, I wish to highlight Equifax inadequate responses to my disputes, which align with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax for sham investigations of credit report errors. Violations of FCRA Equifax has an obligation to : Ensure maximum possible accuracy of credit reports ( 15 USC 1681e ( b ) ). Conduct a reasonable investigation of disputed information ( 15 USC 1681i ). Correct or delete inaccurate, incomplete, or unverifiable information ( 15 USC 1681i ( 5 ) ). Notify me before reinserting previously deleted information ( 15 USC 1681c ( c ) ). Despite my previous attempts to resolve these disputes, Equifax has failed to meet these obligations. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for failing to properly investigate disputes and reinserting inaccurate information, as noted in their public announcement on XXXX. My experience reflects similar issues, as described below I request that Equifax : Perform a thorough and proper investigation of each disputed account. Delete or correct all inaccurate, incomplete, or unverifiable information. Provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this to formally express my concerns regarding XXXX mishandling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant problems with the platform. Despite using XXXX countless times and reporting the discrepancies, my financial institutions and XXXX have failed to investigate my claims adequately. I was informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has neglected to protect consumers and allowed repeat offenders to exploit the system, where the users are vulnerable to scams.

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 2025-01-22 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-22 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: VA

Complaint narrative:
Overdraft fees knowing that there were insufficient funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: MS

Complaint narrative:
My accounts been closed, some of the accounts was incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My Daughter and I were interested in opening a checking account. She was XXXX at the time soon to turn XXXX in a few months. We saw that they had a promotion going on open a account and recieve XXXX dollars if terms were meet. I was instructed we should open a youth checking account, i was assured that it has the same promotional long as the terms were meet. I believe you needed a direct deposit deposited within 2 months. She fulfilled her obligations within 2 weeks. We never recieved the deposit. We gave it about 3 months then I called. I was assured it was okay. it was due to not having filled out a W9. we did that the gave it a few weeks called back in. I was assured it was okay, and instructed to.call back In a few days. So I did then I was told the youth doesn't get the promotion, to bad. I've called multiple times and gotten a hold of there member resolutions department. Sofar gotten now were even told no one is hire then them and to bad. XXXX even hung up on 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 monetary relief
Consumer complaint received 2025-01-22 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:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened with XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at under the XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Customer 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. 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 2025-01-22 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXXXXXX XXXX XXXXXXXX - XX/XX/2024 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief