vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates 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 2025-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Using unfair credit practices while youre trying to repair my credit with advanced payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. The company is in possession of the car and I was never received a XXXX cancellation of debt form after I requested the XXXX form XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had made purchase on XXXX for a jersey for {$1100.00}. The jersey i received ended up being counterfeit with a bunch of fake autographs. I opened a case with paypal and after going back and forth they accepted that i can return the item for a refund. I uploaded proof of return details back to seller. It was delivered with signature. Paypal refuses to refund because i didnt return to address provided through email. But I had called them and they told me to return to seller. So i followed both ebays and paypals policy by returning item to seller which i did with signature and it was delivered. 
Paypal however refuses to refund even when i show proof the counterfeit jersey was returned back to seller. Which in reality should have been discarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THESE ACCOUNTS THAT ARE ON XXXX CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

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 XXXX 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-30 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: IL

Complaint narrative:
I reviewed my credit reports from XXXX XXXX on XX/XX/year>, and discovered multiple inaccuracies across XXXX, XXXX, and TransUnion. I disputed these errors, but the credit bureaus failed to properly investigate and correct them, violating FCRA 1681i.

The following issues were identified on my credit report : My reports contain unauthorized variations of my name, address, and date of birth, which remain uncorrected despite formal disputes. My report includes inquiries without proof of permissible purpose, violating FCRA 1681b. These include : XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Accounts such as XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX XXXX XXXX are inaccurately reported with mismatched account numbers, balances, and statuses across bureaus, violating XXXX XXXX compliance standards. The credit bureaus failed to provide verification or supporting documentation from furnishers and continue to report inaccurate and unverifiable 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit reports from XXXX XXXX on XX/XX/year>, and discovered multiple inaccuracies across XXXX, Equifax, and XXXX. I disputed these errors, but the credit bureaus failed to properly investigate and correct them, violating FCRA 1681i.

The following issues were identified on my credit report : My reports contain unauthorized variations of my name, address, and date of birth, which remain uncorrected despite formal disputes. My report includes inquiries without proof of permissible purpose, violating FCRA 1681b. These include : XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Accounts such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are inaccurately reported with mismatched account numbers, balances, and statuses across bureaus, violating XXXX XXXX compliance standards. The credit bureaus failed to provide verification or supporting documentation from furnishers and continue to report inaccurate and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 2025-01-30 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: CT

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NJ

Complaint narrative:
Under FCRA law section 605 B it is illegal to report any information without my permission on my credit report. Experian, XXXX, XXXX they had all failed on their part I had sent documentation to them To get theses XXXX accounts remove XXXX XXXX and XXXX XXXX XXXX. I have been fighting with them about the first one for over three years, they fail to remove it without no documentation. And they fail to Remove the second one with no documentation of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my credit score.

The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging post 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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year> I was notified via a credit alert that my care credit balance has been decreased without warning or explanation. It went from roughly {$2000.00} to {$800.00}, I have a balance of {$730.00} so it essentially maxed out my card. When I called no one had an answer as to why. They just read 4 points from a letter they said they sent but I never received. I make {$30000.00} more a year now then when I opened the card a year ago, my account ( all my credit accounts are in good standing and not maxed out, actually being raised ) my credit score is good. So for them to do this 1. Without warning 2. Without valid reason and 3. Without helping to find a resolution is predatory. Every time I asked why this happened they said oh, its based on a credit report theres nothing we can do. Someone there made it he decision to lower it and someone can give me the credit Im owed, taking away XXXX XXXXXXXX credit for no reason? How is this legal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFFIRM ACCOUNT WAS UPDATED ON MY EXPERIAN CREDIT REPORT ON XX/XX/year> AS ACCOUNT 30DAYS PAST DUE AND ALSO AGAIN 60 DAYS PAST DUE WHICH THIS ACCOUNT WAS PAID OUT IN FULL.THIS ACCOUNT HAS DROPPED MY SCORE XXXX POINTS ON MY EXPERIAN ACCOUNT. EXPERIAN IS CURRENTLY FACING A LAWSUIT FOR CREDIT REPORT ERRORS, EXPERIAN DOES NOT PROPERLY INVESTIGATE A CONSUMER DISPUTES AND FAILS TO REMOVE ERRORS OFF REPORTS. RESULTING IN THE INCLUSION OF INCORRECT INFORMATION ON CREDIT REPORTS, INACCURATE OR FALSE INFORMATION ON MY REPORT. I HAVE REACHED OUT TRYING TO GET THIS MATTER OFF MY REPORT AND THEY REFUSE TO DELETE AND REMOVE IT OFF OF MY REPORT, I AM IN THE PROCESS OF BUYING ME A HOUSE AND THIS HAS CAUSE ME ALOT OF TRAUMA AND AFFECTING MY MENTAL HEALTH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
AFFIRM ACCOUNT WAS UPDATED ON MY XXXX CREDIT REPORT ON XX/XX/year> AS ACCOUNT XXXX PAST DUE AND ALSO AGAIN 60 DAYS PAST DUE WHICH THIS ACCOUNT WAS PAID OUT IN FULL.THIS ACCOUNT HAS DROPPED MY SCORE XXXX POINTS ON MY XXXX ACCOUNT. XXXX IS CURRENTLY FACING A LAWSUIT FOR CREDIT REPORT ERRORS, XXXX DOES NOT PROPERLY INVESTIGATE A CONSUMER DISPUTES AND FAILS TO REMOVE ERRORS OFF REPORTS. RESULTING IN THE INCLUSION OF INCORRECT INFORMATION ON CREDIT REPORTS, INACCURATE OR FALSE INFORMATION ON MY REPORT. I HAVE REACHED OUT TRYING TO GET THIS MATTER OFF MY REPORT AND THEY REFUSE TO DELETE AND REMOVE IT OFF OF MY REPORT, I AM IN THE PROCESS OF BUYING ME A HOUSE AND THIS HAS CAUSE ME ALOT OF TRAUMA AND AFFECTING MY MENTAL HEALTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation