vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am submitting this formal complaint against Experian regarding fraudulent accounts and inquiries appearing on my credit report due to identity theft. I have already provided supporting documentation, including an FTC Identity Theft Report, but these items remain.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Experian is required to remove fraudulent accounts within 4 business days of receiving an Identity Theft Report. However, the accounts listed below have yet to be deleted.

2. Failure to Conduct a Proper Investigation ( FCRA 1681s-2 ) Experian has a legal obligation to conduct a reasonable investigation when a consumer disputes fraudulent activity. The continued reporting of these accounts suggests non-compliance with federal law. 

Fraudulent Accounts on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries on Experian 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 EXPERIAN 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 ( 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
During the months when I was receiving unemployment for the state of Portland, I had hackers, illegally hacking into my accounts, including XXXX, my bank account at XXXX XXXX XXXX  and numerous other accounts namely for this report my Kohl 's account in order to prevent me from using my credit, and forcing me to use my unemployment money that they were intentionally delaying and tampering with my passwords in order to force me to become indigent and homeless. At the time, someone stole all my clothing and I needed to replace my clothing on a budget so my Kohl 's card was the most responsible choice since I had paid the card off in full and it was current. I gave no one permission to close my kohl 's card and needed to keep it open to build my credit. The card was illegally shut off and I was forced to spend money I didn't have on other expenses including the clothing that was taken from me. The account credit line was good, I hadn't missed any payments and the account was current and paid off in full, closing my card is illegal and abuse of my consumer rights. I need this account reopened immediately. The card number is worn on the card but appears to read as follows, XXXX XXXX, the last five digits on the card are clear XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XXXX, is reporting several fraudulent XXXX accounts on my credit. These creditors never reported late or current payments on my credit report. Up to recently these accounts begin to appear on my credit report. I would like these account blocked and removed from my credit reports.

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 2025-01-30 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: CA

Complaint narrative:
XXXX, is reporting several fraudulent XXXX accounts on my credit. These creditors never reported late or current payments on my credit report. Up to recently these accounts begin to appear on my credit report. I would like these account blocked and removed from my credit reports.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 non-monetary relief
Consumer complaint received 2025-01-30 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:
in regards to the data breach and i have sent in multiple disputes with the credit bureaus and i just get ridiculous letters about its not me sending 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 2025-01-31 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:
Requested a copy of the Free Annual Credit Report from Equifax on or before XXXX XX/XX/year>. Received a denial letter today, XXXX XX/XX/year>, stating I had already received a report, I did not request a report from them in at least five-years, and one would be furnished for {$7.00}. I called Equifax and waited a time. At XXXXXXXX XXXX  XXXX ) an operator answered, I presented the issue and he said I was already given a report in the past 12-months. I was told if that was true, when and where was that report sent? It was no longer not receiving a free copy it is when and where did you send the unrequested report? He refused my request for a supervisor and held the line that the obligation of one free credit report every 12-months was met. I would not wait as lobg as I did to cheat a free credit report. I want to know where that report was sent and to whom, it was not me.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone did fraud with my credit. They even got unemployment funds in the amount of XXXX when I was in XXXX! All of this is holding me up from getting an apartment so I dont have to sleep in my car. I need all these items deleted so I can move on with my life and be a father to my children

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Bankruptcy Public Record. Send the source of information for this item. I contacted the court listed in the report and they claim to have no involvement with this item on my report. Under section 1681g, I am entitled to know who is reporting this information. 

XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX. These two accounts do not list the date of first delinquency. The date of first delinquency is the date that an account became delinquent and was not subsequently brought current. An accurate date of first delinquency is important because federal law allows negative entries to remain on credit reports for only seven years from the date of first delinquency. Knowing the date of first delinquency ensures that I will not be penalized with negative credit reporting for a longer period of time than allowed. Under section 1681s-2 ( a ) ( 5 ) ( A ), both XXXX  XXXX XXXX XXXX and XXXX of XXXX are required to provide Trans Union with this information. I am entitled to all the information in my file. So, please provide it. If they are not providing this information, then the information is incomplete and must be deleted.

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: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had an issue of fraud 3 weeks ago ( XX/XX/XXXX ). The scammer used my account for about {$1000.00}, and CitiBank refunded me that amount eventually but from then onwards I have not been able to access my money. It's now XX/XX/XXXX. They sent me a new debit, which I was never able to get activated because they were supposed to open me a new checking account, which they didn't. 

Then a service rep told me to get into a physical location to open a new checking which I was able to do online, so they would have wasted my time making me go all the way to a bank when the nearest one is XXXX hours away. Anyway, I opened a new checking online by myself since she couldn't help me, then they had to send another debit, and then after sending the new debit, I was unable to access my online account. I was notified upon calling them that they were closing this account, and they were ending their relationship with me because of a warning from XXXX XXXX XXXX. This was around XX/XX/XXXX. 

I have been WAITING for an update on when my funds ( a total of about $ XXXX ) would be sent to me via check and I have not been able to get any answer every single time I call. It is now the end of the month, and I haven't been able to pay my bills in weeks! The customer service reps are not helpful at all. I just get transferred over and over again until the last person tells me 30-60 days, which is absolutely insane!

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 2025-01-31 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: NC

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 findingsagainst 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: 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which I believe are negatively affecting my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and report a thorough investigation into these inaccuracies, required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit XXXX for failure to properly investigate consumers dispute citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that failed to address consumer disputes properly. 
Reinserting previous dispute and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegation highlights systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on the credit reports. I am deeply concerned that my dispute may be mishandled in the similar manner.

Please review the inaccurate information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of yoru investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the dispute information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from any credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of these information from my credit report. 

Furthermore, I request written confirmation of the action you taken in response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB or other appropriate agencies. 

Thank for addressing this matter promptly, I look forward to your response with the legally mandated 30 days timeframe. 

Sincerely, 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 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which I believe are negatively affecting my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and report a thorough investigation into these inaccuracies, required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit XXXX for failure to properly investigate consumers dispute citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that failed to address consumer disputes properly. 
Reinserting previous dispute and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegation highlights systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on the credit reports. I am deeply concerned that my dispute may be mishandled in the similar manner.

Please review the inaccurate information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of yoru investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the dispute information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from any credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of these information from my credit report. 

Furthermore, I request written confirmation of the action you taken in response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB or other appropriate agencies. 

Thank for addressing this matter promptly, I look forward to your response with the legally mandated 30 days timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I am writing to file a formal complaint against Transunion for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>. I sent a letter to Transunion requesting an investigation into the completeness and accuracy of the following account : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Despite my request for investigation, Transunion failed to take appropriate action as mandated by the FCRA. Specifically, Transunion neglected to comply with the following provisions : XXXX. Violation of 15 USC 1681i ( 5 ) : Transunion failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Transunion affirmed the accuracy of the disputed information without conducting a proper reinvestigation. 
XXXX. Violation of 15 USC 1681s-2 : Transunion unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate.

4. Violation of 15 USC 1681i ( 7 ) : Transunion failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law. 

XXXX. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file. 
Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file. 
A detailed description of the reinvestigation procedure conducted by Transunion. 

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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