vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am currently in the process of applying for a loan, and as part of the application procedure, the lender needs to verify my credit standing. Since my credit report is currently frozen, I would like to request that it be temporarily unfrozen to allow the lender to access it for their evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Constantly calling me and calling my ( previous ) places of employment. Completely unacceptable. Asking my co workers about me and my last 4 of my social security. This is coming from XXXX XXXX XXXX. It is harassment at this point. They need to move on and get over the debt they paid {$5.00} 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Given the violations that navy federal have committed, I no longer trust navy federal to do the right things by me. therefore as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am opting out of any and all authorizations that i may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 ( b ) effective immediately and indefinitely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TN

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 die 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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
So I deposited a money order on XX/XX/year>, and it told me that it would be cleared until XX/XX/year>. Which was annoying but fine until they restricted my account on XX/XX/year>, which stopped my paycheck from depositing. Now I don't have access to any money. I called them, and they told me it was going to take one or two business days. Which was today XX/XX/year> all of my funds are in my account and it is still restricted. I called them yet again and they told me they can't clear my money order even though I have the receipt for it and they will give me a cashier 's check for pay check and send it thru the mail and I need my money 3 days ago now got ta wait XXXX know how much longer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I hope this message finds you well. I am currently in the process of applying for a loan, and as part of the application procedure, the lender needs to verify my credit standing. Since my credit report is currently frozen, I would like to request that it be temporarily unfrozen to allow the lender to access it for their evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CT

Complaint narrative:
I am writing to formally file a complaint against Equifax and Experian for their repeated reinsertion of a fraudulent account ( see attached ) into my credit report, despite my prior disputes and their initial removal of the account. I am a victim of identity theft, and this issue has caused me significant financial and emotional distress for the past 10 months. 

The fraudulent account in question has been transferred or sold multiple times, yet both Equifax and Experian have removed it from my credit report only to later reinsert it without proper notification, as required under the Fair Credit Reporting Act ( FCRA ). This repeated reinsertion of an illegitimate account is not only a violation of my consumer rights but also continues to harm my creditworthiness and financial standing. 

I have provided documentation multiple times to both credit bureaus proving that this account is fraudulent and should not be associated with my credit file. Despite this, they have failed to maintain accurate reporting and have allowed this inaccurate information to be reinserted without proper investigation or notice. 

I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against Equifax and Experian for their failure to comply with FCRA regulations. Additionally, I seek the following resolutions : - The permanent removal of the fraudulent account from my credit report. 
- Assurance that this account will not be reinserted in the future. 
- A formal response from Equifax and Experian detailing the corrective actions they will take to prevent this issue from recurring. 

Any additional remedies deemed appropriate by the CFPB to address this violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/year>, I received a cashapp debit card in the mail. I do not have a cashapp account and did not request a card. My wife and I called on XX/XX/year> to notify them of the fraudulent account. We provided them with the information they requested via email and upload, and were under the impression that they would close the account. We also requested that they do not open any other accounts using my information but they refused. After notifying the FTC, I was advised to get a statement from them stating that it was not my account and that I am not responsible for it. My wife and I called on XX/XX/year> to request the letter and were informed that the account hadn't even been closed yet. We requested that it at least be frozen and they refused. We requested to speak with the fraud department and they refused. They said they needed to investigate before closing the account. Any reputable financial institution will put an immediate freeze on an account if it is reported as fraudulent and then investigate. I emailed them requesting that they close the fraudulent immediately and send me the requested letter. I have not heard back and had to contact a lawyer to try to resolve the issue. My wife called back and asked for the address to send legal paperwork and they refused and said to send it through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 2025-02-11 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: DC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
An account with XXXX XXXX is reporting on inaccurately with TransUnion, XXXX and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History to my credit report. 

All inaccurate information is highlighted in the attached document for you review. 

TransUnion is not reporting a payment history ; XXXX is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my 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 non-monetary relief
Consumer complaint received 2025-02-11 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 filling out a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPR ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore there dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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 2025-02-11 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:
Subject : Dispute of Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX FCRA Dear TransUnion, I am writing to formally dispute a fraudulent XXXX XXXX XXXX XXXX loan that has been reported on my TransUnion credit file without my knowledge or authorization. I did not apply for or authorize this account, making it a clear case of identity theft. 

As a victim of identity theft, I have taken the necessary steps to gather supporting evidence to prove that this account is fraudulent. I have obtained a Fraudulent Affidavit from XXXX XXXX XXXX XXXX Department, which confirms that this account was opened using my stolen personal information. Additionally, I am enclosing the following documents for your review : A copy of my government-issued ID A copy of my Social Security card A copy of my identity theft police report filed with the XXXX XXXX Police Department A recent utility bill verifying my current address A copy of my FTC Identity Theft Affidavit Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am formally requesting that TransUnion immediately block and permanently delete this fraudulent account from my credit report. According to the FCRA, credit reporting agencies are required to remove identity theft-related information upon receiving a valid identity theft report.

I expect this fraudulent account to be deleted from my credit file promptly. Please provide written confirmation once this matter has been resolved. If this account is not removed within the legally required XXXX timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau XXXX CFPB ) and consider legal action. 
Thank you for your prompt attention to this serious matter. Should you require any additional information, please contact me immediately. 

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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: InstaMortgage Inc.
State: GA

Complaint narrative:
Insta mortgage did a refinance on my home at XXXX XXXX XXXX XXXX ga XXXX and they took money out my escrow to pay for homeowners insurance and never paid it or gotten new insurance. The insurance I had on previous mortgage company canceled in XXXX of XXXX  and when my house burn up they didnt pay me for my lost property or paid for me to live some where I been homeless staying with friends and I lost so much stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the XXXX data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX XXXX breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC ID Social Security Card Utility Bill

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On a phone with LVNV Funding LLC the customer representative was extremely rude, hostile and attempted to intimidate me by using aggressive tone, and escalating/fighting words. Representative also demanded that I must make a payment today via ACH or he will not provide any validing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was charged two overdrafts fees each XXXX $ on XX/XX/year> XX/XX/year> I was charged one overdraft fee draft fee of XXXX $ I am low income struggling to pay my bills. I am trying to pay down my account but the XXXX $ in overdraft fees is making that really hard I really need help. I understand one over draft fee even two but when they start to charge more than XXXX $ is when I start to have a problem its just not doable especially in this economy. I have a XXXX  who needs food and diapers and ect but instead of using that money on him I have to try and figure out how to pay the bank money I dont have.

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 2025-02-11 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation