vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: IN

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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It was Wells Fargo itself. They were withdrawing a monthly {$10.00} " direct deposit '' service charge which I never initiated. It was the second time this happened, spaced about 4 years apart. It was for a business checking account. 

I have been retired for 5 years and have not used the account for business, and I am absolutely certain I did not initiate the service as Wells Fargo claims I did. As asked for direct proof of how this service was administered, but they could not provide me that. They claim I have to initiate it myself online, but again, it is a process that involves 2nd verification, along with alert messages following. I never any use for this service, and explained that to them both times it happened. 

To make matters worse, they would not refund me the full amount of the service charges ( either time ). Both times I ended up about {$70.00} short ( {$140.00} in total ). It's not necessarily about the money ; it's that this charge was being administered without my consent.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing 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 2025-01-27 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: AZ

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 non-monetary relief
Consumer complaint received 2025-01-27 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OR

Complaint narrative:
Im writing because Im honestly at a loss with how to deal with the repeated mistakes on my report. These errors have already damaged my score, closed doors to opportunities, and left me feeling powerless. Its exhausting to constantly fight for something as basic as accuracy. I shouldnt have to deal with the consequences of errors that shouldnt be there in the first place.

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 2025-01-27 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: NY

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union regarding a series of overdraft fees I have incurred since becoming a member in 2012. Despite having sufficient funds at the time my transactions were authorized, I have repeatedly been charged overdraft fees due to delays in the posting of charges and credits to my account. 

This issue appears to align with the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which cited similar practices at Navy Federal Credit Union, where transactions were settled with insufficient balances despite funds being available at the time of authorization. 

I believe these practices are unfair and do not reflect the service I should expect as a long-standing member. I respectfully request a thorough investigation into the transactions on my account that have led to these fees, and I ask for appropriate corrective action to be taken. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$6800.00} Account Name : XXXX XXXX LL Account Number : XXXX Balance : {$820.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} XXXX INQUIRY : XXXXXXXX XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX 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. 
The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX 's 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 2025-01-27 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: IN

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 2025-01-27 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, often than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a savings account at Capital One in XXXX of XXXX with the 360 savings account which offered some of the nations best interest rates. In XXXX, Capital One stopped offering the 360 Savings account to new customers and introduced the 360 Performance Savings account, which was nearly identical but offered significantly higher interest rates. 

From XXXX to XXXX, the 360 Savings accounts interest rate was frozen at just 0.30 %, even as interest rates across the nation increased. By comparison, the 360 Performance Savings account offered rates as high as 4.35 %.

I was never informed of the change of rate or given the option to switch over to the Performance Savings account at that time in XXXX. In XXXX, was the first I had heard of this, missing out on thousands of dollars in interest! 

Capital One deceived existing customers about the interest rates they were actually paying. My accounts should have automatically been eligible for market interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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. Thes 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 2025-01-27 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: MI

Complaint narrative:
I've disputed incorrect information on my credit report they have not investigated nor fixed the errors on my 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  and was living in apartment complex XXXX at XXXX XXXX. I had to break my rental agreement due to XXXX XXXX orders and notified them promptly upon receiving orders. On XX/XX/XXXX I was reached out via email about the final rental bill in regard to damages done to the unit. I received pictures from them and everything checks out besides the total amount. 
I requested and showed them adequate proof showing I was having pay issues at arrival to my base since I was getting processed into the system and did not get paid until XXXX. I followed up repeatedly with phone calls and emails and asked for them to allow me to pay on that day. 

The employee at the apartment complex repeatedly told me I would only have about a week to pay the final amount if not it will be sent to collections. Ultimately, the employee ( XXXX XXXX ) sent it to collections without notifying me and I only found out when I called on XXXX to pay it. 

On XXXX I received notification that I had a debt in collection for the amount of {$790.00}. They provided me documents that XXXX at XXXX XXXX sent them about my rental agreement and other documents that pertained to a renewal contract and my original lease from when I first moved there in XXXX. 

I disputed the collection as the total amount is not correct since XXXX at XXXX XXXX has a security deposit that they did not return nor use for the final rental bill of {$790.00}. I have followed up with the collection agency ( ProCollect ) multiple times via email and had have no response. I reached out via phone call on XXXX asking for an update on the dispute but was told it is still in investigation. 

Today, XXXX my wife, calls me saying that ProCollect called her threatening her to take the debt to her credit profile and with extreme hostility, demanding she pays by the end of XXXX or else we will send it to your credit. They also claimed to have sent letters and called me which is completely false as I do not have any reply emails or any calls from them in regard to my dispute or the debt in general, aside from the original email on XXXX. 

I personally called them today XXXX and spoke to a supervisor, XXXX XXXX and was constantly cut off from speaking and told that my account will be noted as refusal to pay when I have recording of the call and I never said that and constantly tried to reaffirm that my dispute is with the total amount and not the collection itself. I was met with threats of if I do not pay by XXXX that it will be sent to my credit. 

I have read of in laws and regulations regarding collection agencies and I want this business to be looked at and for them to review my account properly and fairly and without attitude.

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 2025-01-27 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: MI

Complaint narrative:
I am submitting this complaint to report that Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Specifically, they have violated the following provisions : 15 USC 1681e ( b ) : Failure to ensure accurate reporting.

15 USC 1681s-2 : Failure to investigate and correct disputed information.

15 USC 1681i ( 5 ) : Failure to notify me of investigation results.

15 USC 1681c ( c ) : Failure to remove outdated or incorrect information. 
Despite sending multiple dispute letters to Equifax, they have not resolved the inaccuracies or provided proper responses. I recently learned of the CFPBs lawsuit against Equifax for similar violations, reinforcing the improper handling of disputes, which mirrors my experience. 
Specific Violations : Failure to Investigate : I submitted disputes in XX/XX/2024, regarding incorrect information, but I received incomplete or no responses from Equifax. 
Ongoing Inaccuracies : The inaccuracies, have not been corrected. 
Failure to Notify : I have not received timely updates or proper documentation regarding the investigations into my disputes. 
Impact : The inaccuracies have negatively affected my credit, resulting in : Decline in Credit Score : My credit score has dropped due to incorrect reporting, making it difficult to secure loans and credit. 
Loan Denial : I was recently denied an auto loan, and personal loan, because of these errors, causing financial setbacks. 
Emotional Distress : The ongoing issues have caused significant stress, as I am unable to resolve them despite my efforts. 
I request that the CFPB requires Equifax to investigate and correct the inaccuracies on my credit report. Thank you for your attention to this matter. I trust that the CFPB will help me resolve this issue promptly and ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief