vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
I am formally filing this complaint against [ EXPERIAN ] for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and demand immediate corrective action. Despite my lawful rights, this company has engaged in deceptive, non-compliant, and negligent practices that have caused harm to my credit standing, financial well-being, and legal rights.

FCRA Violations Committed by [ EXPERIAN ] Failure to Investigate Disputed Information ( 1681i ) Despite my formal dispute submitted on [ XXXX XXXX ], [ EXPERIAN ] has failed to conduct a reasonable reinvestigation within the required XXXX period, violating my consumer rights. 
Reporting Inaccurate or Unverified Information ( 1681e ( b ) ) The company continues to report inaccurate, incomplete, and unverified information, damaging my credit profile and financial credibility.

Failure to Provide Complete and Accurate Information ( 1681s-2 ) The furnisher of information has failed to correct or remove erroneous data upon dispute, thereby breaching their legal duty.

Failure to Provide Proper Notice of Adverse Actions ( 1681m ) I was not properly notified of adverse decisions based on my credit report, violating transparency and disclosure requirements under the FCRA. 
Remedy & Demands Given these serious violations, I demand : The immediate deletion and correction of all inaccurate, unverified, and outdated information from my credit report. 
A formal written response within XXXX days acknowledging this complaint and outlining corrective actions taken. 
The enforcement of maximum statutory damages, including penalties of up to {$1000.00} per violation under 1681n for willful noncompliance. 
If this matter is not resolved immediately, I will escalate to legal action, including filing a lawsuit in federal court for willful or negligent FCRA violations. 
Failure to address these violations will result in a formal complaint to the Federal Trade Commission ( FTC ), state Attorney Generals office, and additional legal recourse to ensure full accountability. 

I expect immediate action to rectify this issue. If I do not receive a response within the legally mandated time frame, I will pursue all available legal avenues. 

Sincerely, [ XXXX 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-31 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 2025-01-31 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: IL

Complaint narrative:
I am filing complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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 & gt ; S & gt ; C & gt ; 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.

2025-CFPB-0002 ) against them for similar violations. I Request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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 2025-01-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I pulled my Equifax credit report and I did not authorize these companies to pull my credit. I submitted disputes with the credit bureau but the inquiries are still listed. As a result, I experienced actions and denials based on these inaccuracies. 

Date Company Request Originator XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
XXXX ) I have an unauthorized hard credit pull from XXXX XXXX XXXX  inquired on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized hard credit pull from XXXX XXXX on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized credit pull from XXXX XXXX na inquired on XX/XX/year> reporting to TransUnion XXXX ) I have a unauthorized credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized credit pull from XXXX XXXX inquired on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized credit pull from XXXX XXXX XXXX reporting to my credit report with XXXX These XXXX hard credit pulls are all unauthorized fraudulent transactions that are reporting negatively to TransUnion as well as XXXX and I would like them erased from my credit report please and thank you.

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 2025-01-31 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:
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 2025-01-31 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I recently discovered unauthorized hard inquiries on my XXXX credit report, including XXXX from JPMCB Card Services dated XX/XX/year>. I did not apply for credit or authorize these inquiries, and I suspect they are the result of identity theft. Over the years, my personal information has been exposed in several data breaches, including the XXXX data breach, the XXXX XXXX XXXX data breach, and potentially the recent XXXX XXXX XXXXXXXX XXXX XXXX. These breaches may have compromised my Social Security number and other sensitive information, making it easier for bad actors to attempt fraudulent activities in my name. 

I have already taken steps to address this issue, including filing an FTC Identity Theft Report and contacting Chase Card Services to request documentation of the inquiry and details of the fraudulent application. I am concerned about further misuse of my information and need assistance to resolve this issue and protect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct this with the credit bureaus and the creditor/lender, the incorrect entry remains. I request the CFPB 's assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report. 
LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-31 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I had a debt with XXXX XXXX  and it fell off after XXXX  years. Then after, XXXX collection agencies opened new accounts with XXXX different debt amounts. The first one has dropped off and the second one still remains impacting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
There are multiple late payments incorrectly reported by these creditors to Experian, which is deeply frustrating. These payments were made on time, yet they continue to appear as late on my credit report. This inaccurate reporting is unfair and is negatively impacting my credit score.

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 2025-01-31 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: TX

Complaint narrative:
TransUnion Consumer Solutions Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : DEMAND REMOVAL OF FRAUDULENT & FUTURE-DATED INQUIRIES To Whom It May Concern : I dispute the following inquiries on my TransUnion credit report as fraudulent, unauthorized, or future-dated, violating FCRA 604 and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry ( XX/XX/XXXX ). 

XXXX XXXX  XX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized access. 

XXXX XX/XX/XXXX Violation : Future-dated inquiry. 

Legal Demands : Delete all listed inquiries within XXXX business days. 

Certify in writing that my report is accurate. 

Failure to comply will result in : A CFPB complaint and XXXX XXXX lawsuit for willful noncompliance. 

Legal action under FCRA 616 ( up to {$3500.00} per violation ). 

Enclosed : Credit report excerpts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX 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 2025-01-31 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: NC

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 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 CFPB take action to ensure TransUnion complies with the necessary proof of investigation. Accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have a mortgage with MR. Cooper XXXX # XXXX. Original loan amount was {$140000.00}. Over the last year i have made significant multiple one time payments towards principal which should change the amortization table for the monthly payment which is allocated toward principal and interest. I am absolutely convinced Mr Cooper is committing financial fraud as those statements for amortization are NEVER updated. If i request customer service they say it takes time ( without any ETA ). If i go online and check they DO NOT exist as now they are saying the are having trouble with the vendor. OK so they can not email me a Amortization statement? No they can not. Please be careful working with this company as the amount i have only my monthly statement which is visible and DOES NOT account for my additional principal payments made towards my account. The mortgage amount is significantly lower but my monthly payment DOES NOT reflect the correct balance going toward principal and interest. Financial Fraud this is called in simple Finance and there is no customer service no supervisor or anyone who can send me an UPDATED copy of my current AMORTIZATION table. Thank you for your attention!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app never has a live agent for issues with account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. The company is in possession of the car and I was never received a XXXX cancellation of debt form after I requested the XXXX form 3 times.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. The company is in possession of the car and I was never received a XXXX cancellation of debt form after I requested the XXXX form 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. The company is in possession of the car and I was never received a XXXX cancellation of debt form after I requested the XXXX form 3 times.

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