vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
( 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 2025-01-21 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: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prime Recovery LLC
State: OH

Complaint narrative:
Was contacted by XXXX XXXX of Prime recovery LLC. XXXX stated I owed a balance of XXXX and asked me how I would like to resolve. I explained to XXXX XXXX that I did not have a XXXX account in which she responded that I clearly did because it was under my information. XXXX XXXX also responded that XXXX was not the original creditor. I asked who the original creditor was and she stated she could not see but would message her support team to find out. While XXXX XXXX was requesting this information, she accused me of using a stall tactic and threatened to take me to court, put this account on my credit report, and charge additional legal fees. I explained that I would like to see a verification of this debt and she stated they have already sent this to me. XXXX XXXX stated I made a payment in 2019 and I asked for how much and what the last XXXX of the account number was that was used to pay this payment. XXXX XXXX stated she couldn't see this information and suggested I pay the bill because it is my debt. I explained I received an email yesterday from her company and it disclaims that I have the right to dispute and request verification for this account under the FCRA. I asked for a mailing address to write a dispute and request this verification and she informed me she works from home and could not provide this. XXXX XXXX then stated her support team messaged her back stating they are marking me as a refusal to pay and will proceed against me with a law suit and place this file on my credit report. She stated all of this information was already sent to me and I failed to respond. I verified my new address and explained the address she had on file was a place I had lived in 2019 and have been at my current address since. I asked to send this verification to my new address and she refused saying she only collects. 
Prime Recovery LLC is refusing to provide verification of debt, original creditor, original amount of said debt, payment history and form of payment, using scare tactics and threats, and a proper address to provide in writing my dispute of debt request any said records pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-21 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: WA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-21 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: FL

Complaint narrative:
I was a victim and identity theft with a federal case and have submitted documentation to XXXX  and XXXX, and also XXXX to remove everything on my credit due to the cause of the data breach that caused my information to hacked.

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 2025-01-21 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: IA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 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: AZ

Complaint narrative:
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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

I want the CFPB to publish this these are the accounts that I input into my Despute 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

It has been 30 days, and you are in VIOLATION of this law. Please delete these items as soon as possible!

The alleged account is showing an inaccurate. PAYMENT STATUS, DATE OF LAST ACTIVITY and HIGH CREDIT LIMITS. The law states if it is accurate, it must be deleted, or you will be fined {$1000.00} per violation.

The following credit reporting agencies Experian, XXXX, and XXXX have had lawsuits filed for reporting INACCURATE INFORMATION on personal credit files in which you were ordered to pay millions and you continue to do the same illegal practices.

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 2025-01-21 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I RETURNED A DEFECTIVE PRODUCT TO THE MERCHANT, XXXX, AND THEY DENIED THE REFUND. THEREFORE I CONTACT CHASE BANK TO DISPUTE AND THEY PROVIDED A CREDIT ON : XX/XX/XXXX Reversal : XXXX XXXX XXXX CA XX/XX/XXXX ClaimId : XXXX ( XXXX XXXX ) ATM transaction {$610.00} THEN ON XX/XX/XXXX I CALLED CHASE TO COMPLAIN ABOUT AN UNRELATED MATTER, THEIR CD INTEREST IS SO LOW THAT I CAN NOT EVEN BUY A CUP OF COFFEE WITH XXXX XXXX XXXX XXXX XXXX. AND THE CHASE REP TOOK THE COMPLAINT PERSONALLY. THEN FIVE DAYS LATER THERE IS A REVERSAL IN THE SAME AMOUNT : XX/XX/XXXX Claim reversal : XXXX XXXX XXXX CA XX/XX/XXXX ClaimId : XXXX ( XXXX XXXX ) ATM transaction {$610.00} THEN TODAY XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX, I CALLED CHASE TO QUERY INFORMATION AS TO WHY THERE IS A REVERSAL OF A REVERSAL CLAIM I THOUGHT WAS ALREADY RESOLVED OVER TWO MONTHS AGO.

NOW CHASE WANTS ME TO WORK WITH THE MERCHANT FOR THE REFUND THAT THE MERCHANT HAD ALREADY DENIED IN THE FIRST PLACE! THERE IS SOMETHING SUSPICIOUS ABOUT CHASE BANK 'S CERTIFICATE OF DEPOSIT WITH VERY LOW INTEREST AFTER INVESTING THOUSANDS OF DOLLARS, I.E. OVER XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 fit these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

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 2025-01-21 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX {$820.00} - Dear Equifax, I am writing to formally request the removal of an inaccurate remark from my credit report associated with XXXX XXXX XXXX. Upon reviewing my report, I noticed the following account contains incorrect information : Creditor Name : XXXX XXXX XXXX I recently spoke with a representative from XXXX XXXX XXXX regarding this matter. They acknowledged that the information reported to you is incorrect and have agreed to have the remark removed from my credit report. I am including documentation of our correspondence and their agreement as evidence to support my request.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly ask you to investigate this issue and promptly remove the inaccurate remark from my credit report. This correction is important to ensure the accuracy of my credit file.

If additional information is needed to process this request, please do not hesitate to contact me by email Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of this remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Subject : Dispute of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally dispute certain accounts listed on my credit report as a result of a data breach that has impacted my personal and financial information. I believe these accounts may be fraudulent or were opened without my authorization. Please consider this letter a formal request to investigate and remove these accounts from my credit report as soon as possible.

The accounts in question are : 1.

Account Name/Company : XXXX XXXX  Account Number : XXXX 2.

Date Opened : XX/XX/XXXX 3.

Account Name/Company : XXXX  4 .

Account Number : XXXX Date Opened : XX/XX/XXXX ( Include any other accounts you wish to dispute in the same format. ) Please find attached copies of any relevant documents that support my claim, including a copy of my notification regarding the data breach.

I request that you investigate these matters thoroughly and remove any fraudulent or unauthorized accounts from my credit report. In accordance with the Fair Credit Reporting Act, I expect a response within 30 days, and I request that you notify me of the results of your investigation.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Specifically, Section 1681i mandates that you investigate disputed information and correct any inaccuracies within 30 days. Additionally,

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 2025-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Subject : Dispute of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally dispute certain accounts listed on my credit report as a result of a data breach that has impacted my personal and financial information. I believe these accounts XXXX be fraudulent or were opened without my authorization. Please consider this letter a formal request to investigate and remove these accounts from my credit report as soon as possible. 
The accounts in question are : XXXX. 
Account Name/Company : XXXXXXXX XXXX Account Number : XXXX XXXX. 
Date Opened : XX/XX/XXXX XXXX. 
Account Name/Company : XXXX XXXX XXXX 
Account XXXX : XXXX Date Opened : XX/XX/XXXX ( Include any other accounts you wish to dispute in the same format. ) Please find attached copies of any relevant documents that support my claim, including a copy of my notification regarding the data breach. 
I request that you investigate these matters thoroughly and remove any fraudulent or unauthorized accounts from my credit report. In accordance with the Fair Credit Reporting Act, I expect a response within 30 days, and I request that you notify me of the results of your investigation. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Specifically, Section 1681i mandates that you investigate disputed information and correct any inaccuracies within 30 days. Additionally,

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