vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings account. Capital One misrepresentative the 360 savings account as having one of the highest interest rate, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberately obscurity and lack of transparency violated consumers trust and results of significant finances losses for many, branching the Consumer Financial Protection Act in the Truth in Savings Account. I seek redress for the mislead practice and failure to fulfill their advertising promise.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate credit inquiries that appear on my credit report. These inquiries were not authorized by me, nor did I provide consent or a signed authorization for these inquiries to be made. 
I first became aware of these unauthorized inquiries on XX/XX/year>, upon reviewing my credit report from [ credit bureau ( s ), e.g., Experian, XXXX, XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permitted to appear on their credit report. These inquiries are harming my credit score and potentially exposing me to further fraudulent activity. 
The reason I am escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) is because I have exhausted efforts to resolve this matter directly with the credit bureaus and/or creditors involved. Despite my attempts to dispute these inquiries through the proper channels, the issue remains unresolved, and the unauthorized inquiries continue to negatively impact my credit report and overall financial health. I am seeking the CFPBs assistance to ensure my rights as a consumer are upheld, and the unauthorized inquiries are properly investigated and removed.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within 15 days. The supporting documents are enclosed for your review and action.

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 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 XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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. XXXX ) 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  Reported : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2024 XXXX XXXX XXXX Reported : XXXX XXXX, 2024

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to result from a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including documentation bearing my signature or electronic signature, to validate these claims. This letter is being submitted directly by me and not through a third party, so I respectfully ask that you review it carefully. 

These actions were not authorized by me and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ] governs the permissible purposes for accessing consumer reports. 

I have already contacted the companies involved and confirmed that these actions were carried out without proper validation or the necessary supporting documentation. Therefore, these accounts and inquiries are inaccurate and appear to stem from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

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: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On Thursday XXXX XXXX I logged into my Sofi account and it said account temporarily restricted also by email from a No-reply email address that the email address is XXXX I contacted Sofi to see what and why Sofi had put a temporary restriction on my Sofi checking account & saving account that means that I can't pay any of my bills like rent tv & internet bill my cell phone bill and my Season pass aka annual pass to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX pass when I called Sofi yesterday on Thursday XX/XX/XXXX XXXX and again at XXXX and again at XXXX they told that they expedite the case. Also, Sofi told me that I can not take any of money out my checking account or my savings account at the moment I really do not Sofi to close my checking & savings account because On XXXX XXXX I got the same email that I have receive on XXXX XXXX I had to call in again with a SoFi Member Security Team. My SSI & my SSDI payments go into my checking account for me to use that money to live off of right Sofi has been giving me the run around saying that don't yet about their findings into my account I have been tell SoFi that I can not make my dad mad that he is not getting a check for rent for the month of XXXX & I do not want to be kickout in the cold weather at all or be homeless

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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have previously requested a proper validation of debt and method of verification from the credit reporting agencies and have yet to receive anything of than an outdated bill. this debt collector is willfully continuing to be in non compliance with the FCRA. they are not treating my request seriously and doing bogus investigations and reinvestigations. They are not providing me. This has already been found unverifiable on XXXX credit reporting and removed yet they have not removed this from the other XXXX credit bureaus XXXX and XXXX. This is my last attempt to have them make this right and take this seriously.

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: WA

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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: FC HoldCo LLC
State: AL

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute information that I believe is incorrect, and I request your immediate investigation into this matter. 

This inaccurate information is negatively impacting my credit report. According to the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving my request. 
Please correct or remove the inaccurate information from my credit report and send me an updated copy once the dispute has been resolved. 
Thank you for your prompt attention to this matter.

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: RFNA, LP
State: AL

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute information that I believe is incorrect, and I request your immediate investigation into this matter. 

This inaccurate information is negatively impacting my credit report. According to the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving my request. 
Please correct or remove the inaccurate information from my credit report and send me an updated copy once the dispute has been resolved. 
Thank you for your prompt attention to this matter.

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: NJ

Complaint narrative:
Between the dates of XX/XX/2022 and XXXX XXXX I noticed my account was going into overdraft Even though My account Showed I had the funds I contacted Customer service And they told me I had a lot of pending charges To my account And I should wait for them to settle before making purchases and that is what caused my account to overdraw but if I didn't have the money it should have not went through was my response.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please check the information concerning the Data Breach below in attachments

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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have several credit card companies that are making dual accounts on my trans union credit report. 

I have brought this to the attention of trans union several times. They continue to do nothing. 

The first account with XXXX XXXX is paid as agreed {$0.00} balance account closed. 

The second account, they have the same account number, but have an outstanding balance. Account is closed also. The only thing that is changed is the dates. Everything else is the same. 

XXXX other accounts are reporting the same style as XXXX XXXX. Same account number one is paid as agreed closed and the second a couple years later has a balance outstanding. Just flat wrong XXXX XXXX  secured credit card has an outstanding balance of {$270.00} how does a secured credit card have an outstanding balance a couple years old. Seriously. 

Derogatory information XXXX has two accounts same account number different dollar amounts same dates same information it is obvious it is a duplicate but trans union will not do their job. 

Inquiries one company has XXXX of XXXX inquiries. I have never heard of them but the dates are not even in sequence and well over XXXX XXXX XXXX. They still remain on my report. 

Lately present address is an old address I lived at 5 to 6 years ago. As you look through my report you can see my current address is different but nobody has the time to change it. 

Now I know where my information from the credit reporting mistakes is going to some blank residence that I do not reside there any longer. Thank you for your time please look into this credit reporting hayday. 

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

Complaint narrative:
I am filing a compliant against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the 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 EFTA and Regulation E. These actions of 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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/2024, I purchased a XXXXXXXX XXXX XXXX XXXX and XXXX financed it. A few days later, I was called out of town for business. Before leaving I made several unsuccessful attempts to access XXXX 's portal for payment processing. 

I was gone for several months and my neighbor was collecting my mail. Since I had no idea of the situation, 30-60 days were approaching ; XXXX never contacted me by phone or email about my situation and they were not receiving payment. 

When I returned home, read my mail, I contacted them. The account was new and I was informed of a viable solution. Days later I got a call and the agreement that was made had been rescinded. The representative completely reversed course. 

The representative was corse, abusive, argumentative, and uncooperative. After a stalemate, I even told them they could come and retrieve the mower. they chose not to. 

In conclusion, all efforts to fairly negotiate failed. No honest effort on their part was made to be honest or fair.I

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to be the result of a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including my signature or electronic signature, to support these claims. This letter is being submitted directly by me, not through a third party, so I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ], which regulates the permissible purposes for accessing consumer reports. 

I have already reached out to the companies involved and confirmed that these actions were taken without proper validation or the necessary proof. As such, these accounts and inquiries are inaccurate and result from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation