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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUIFAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute and request an immediate investigation into inaccurate and inconsistent items on my credit report as required under the Fair Credit Reporting Act ( FCRA ). The items in question are causing unnecessary harm to my credit profile, and I demand prompt rectification of these discrepancies.

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 2025-01-26 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-01-26 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submitting the dispute, XXXX constantly 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, 15 U.S.C. XXXX, 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 proceedings ( File No. XXXX ) against them. For these similar violations, I request that the CFPB take action to ensure XXXX complies with federal laws and provides consumers with the necessary proof of investigations. 

here are some of the account i wanted remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter constitutes a formal dispute of the following hard inquiries appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were obtained without my authorization or without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I request that you immediately remove these inaccurate inquiries from my credit report within seven ( 7 ) days of receiving this letter. Failure to comply within this time frame will result in further legal action.

Please provide written confirmation of the removal of these inquiries within seven ( 7 ) days of receiving this letter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter constitutes a formal dispute of the following hard inquiries appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were obtained without my authorization or without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I request that you immediately remove these inaccurate inquiries from my credit report within seven ( 7 ) days of receiving this letter. Failure to comply within this time frame will result in further legal action.

Please provide written confirmation of the removal of these inquiries within seven ( 7 ) days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
The are charging interest on a daily basis. Total daily interest accruing is over {$5.00} a day. At that rate the loan will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
There is an account showing on my credit report for commercial acceptance company. the amount is {$600.00}. This account is not my account. I am not responsible for this payment. They have not been willing to provided me with the information that I have asked for. such as, CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

with that being said I will not be taking ownership of this account and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : XXXX. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 


XXXX. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 


XXXX. The presence of these inaccuracies has negatively affected my credit score and overall financial standing. 



Actions I have already taken : I have disputed these inaccuracies with the credit reporting agencies ( e.g., XXXX, Equifax, and XXXX ), but the issue persists. 

I have attempted to contact the creditors listed under these variations of my name, but the errors have not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : XXXX. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 


XXXX. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 


XXXX. The presence of these inaccuracies has negatively affected my credit score and overall financial standing. 



Actions I have already taken : I have disputed these inaccuracies with the credit reporting agencies ( e.g., Experian, XXXX, and XXXX ), but the issue persists. 

I have attempted to contact the creditors listed under these variations of my name, but the errors have not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I hold several e-gift cards and gift cards from Amex, but I can not use any of them for my online purchases, and they were also declined at local in-person stores. These cards are practically useless, and I am struggling to pay for essential groceries. I need to use these cards and want to ensure that the amounts shown on them are actually available, but I can not find any store that accepts them. 

On XX/XX/year>, I tried to make purchases using these cards, but none of them worked. Following Amexs guidance, I also attempted to add them to my XXXX XXXX, but that failed as well. This situation is confusing and extremely disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
in XX/XX/year>, I was charged for a {$2700.00} camera from XXXX. I called as soon as I saw it on the bill. I did not receive a phone call from the XXXX Chase inquiring about this expensive charge. ( Most of my XXXX  bills are around $ XXXX {$1500.00} ) I am on a limited budget a senior and on food stamps. ) When I saw charge on CC I called immediately and Chase said, there were 2 other {$4000.00} charges to the same exact company 2 days after this one which Chase did stop payment on. Next month I saw the {$2700.00} charge still on my CC and called again. Chase said they must have made a mistake and would take it off my bill. Next bill it was back on my statement. I again called and disputed it. Chase sent a letter that said, UPS delivered the camera to my address and someone signed my name. I never read an email or got a text from UPS that a delivery was being made on XXXX XXXX UPS. I get a lot of spam emails that say this or that XXXX is charging my XXXX  and to click on a link. So perhaps I deleted it thinking it was one of those because I was not expecting anything to b delivered to me. I have never bought a thing from XXXX ever. I searched my junk mail and deleted email and found no delivery or purchase order from XXXX. I sent a photo of my deleted and junk mail I had to Chase between XXXX XXXX. I sent them an ID. I am re sending a copy of my signature. I repeatedly asked for proof and they supplied none. I also called XXXX and UPS they just tossed me back and forth. In XXXX XXXX did send me the tracking number and purchase order which had my name, address email and phone number. Which not only shocked me but made me scared that someone had all this info and showed up at my house and signed my name. I am still fighting Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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. This lack of compliance has also caused me significant financial loss and undue hardship. Many times, with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Based on Family Education Act of 1974, and Privacy Act of 1974, I did not give my permission for my personal and loan information to be shared with third parties and/or servicers. Additionally, my loans should have been forgiven and discharged based on guidelines under teacher forgiveness. Additionally, I would like to assert violations related to 16CR4331.1 through 16CR4331.3. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
I am writing to file a complaint against Nacy Federal Credit Union in regards to multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal Credit Union 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 2025-01-27 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
My info was used to check my credit and open accounts.

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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes .These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have used CashApp for more than 1 year debit card number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX I was told to validate account My first name is JUST THE LETTER " XXXX '' There is no way to enter the info as the field requires XXXX letters and no symbols, XXXX XXXX XXXX' I tried their other way to verify. I send copies of dl, soc security and took fotos in their automated system. I didnt work I asked to escalate several times and was told I would receive an email. Numerous requests. No email. 

I also tried to tell them I couldnt pay back the advance as my account was locked. 

I can not transfer money in or out. 
I can not acces and use bitcoin to pay the debit or to spend elswhere. 
I have 100 % of the time paid my CashApp advance before they were due. 
No they are charging me fees when they wont let me access my money or account. 

I have literall tried more than XXXX times to validate. 

My info is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I called Sofi multiple times on XX/XX/XXXX, reporting fraudulent activity and requesting my account be frozen. The first Sofi rep was short sighted and only closed by debit card, even after I told him fraud activity was happening with other accounts. And from what I can tell, between that call and my second call to Sofi, multiple transactions continued to occur until daily daily limit was reached or I changed my password and added XXXX factor authentication to my account. 
I filed disputes for the multiple large transactions ( almost {$6000.00} ) on Wed, XX/XX/year>, after all fraudulent transactions had been posted to my account. Thur, XX/XX/XXXX, I received XXXX emails from Sofi, denying all fraudulent transaction claims. I called Sofi a few times, and I believe it was the 3rd Sofi Rep that day who said I could file an appeal and that I would need to provide evidence. 
I filed and appeal on XX/XX/year> and received an email requesting I send additional information, but was also was told SoFi can not provide any feedback on what is considered evidence. I submitted all my " evidence '' on XX/XX/XXXX. This evidence, or information, was showing SoFi all the other financial and online accounts I had fraudulent activity on. I sent XXXX documents highlighting unauthorized username and password changes with many other companies, unauthorized purchases on my credit cards and other accounts, reversed transactions from other companies, new unauthorized debit cards in my name and since closed, freezes with the XXXX credit bureaus, and a detailed outline of all the information I was sending. 
Three days later I received another response from SoFi denying all claims again, citing that their thorough investigation doesn't show any errors or fraudulent activity. 
After that I filed a police report, opened a police investigation, filed a report with the Federal Trade Commission and sent them those documents. While I wait for their response, I am filing now with the CFPB since SoFi has been the only account/company that has made this process horrendous and debilitating. All other claims I have filed with other institutions and companies have been honored and reverse without a hassle.

Company response to consumer: Closed with monetary relief