vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
I disputed a credit error on my credit report with Experian XX/XX/year> in the amount of {$3000.00} with a company that I never had a contract with.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-06 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-06 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: DC

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union for multiple overdraft fees that I have incurred, despite having sufficient funds available when the transactions were authorized. These fees appear to be a result of delayed posting of charges and credits to my account. 

This situation aligns with the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices at Navy Federal Credit Union, where transactions were settled as overdrafts despite there being enough funds at the time of authorization. I believe these practices to be unfair and detrimental to consumers, and I respectfully request a thorough investigation into the transactions on my account. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-02-05 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 for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-06 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: PA

Complaint narrative:
I never authorized the inquiries your company has placed on my credit 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase Bank did not like a transaction. A check provided to me was bad. Not my fault. They decided to suspend the sccount without any written notice, or give me time to make arrangements. After suspension, they accepted my Federal SSI funds. In violation of bank treaties and Federal law, they are refusing to allow me access to remove these funds... indefinitely. The last conversation, on XX/XX/year>, with XXXX and XXXX confirmed that they had received {$1600.00}. They refused to allow access or provide a check. These Federal funds are being held in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am filing a complaint against Capital One regarding the deceptive practice related to their 360 " high yield savings '' accounts. Capital one misrepresented the 360 savings account as having one of the notion 's highest interest rates, yet failed to notify accountholders about the superior rates offered by 360 performance savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under the 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, they've added a collection to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Boostify Financial Solutions
State: CA

Complaint narrative:
Agents of a debt settlement program made false and misleading claims to me in an attempt to fraudulently induce me to contract for their services. 

XX/XX/year> : I received an unsolicited text-message solicitation regarding a personal loan from XXXXXXXX XXXX XXXXXXXX, using phone number ( XXXX ) XXXX. ( They provided no other company contact info. ) She made a misleading claim that she was following up on my request for a personal loan. I had not made such a request. Because I do need a personal loan for debt consolidation, I asked for more information. She connected me with a " consultant '' by phone - see below. 

XX/XX/year> : Spoke by phone with XXXX XXXX of Boostify Financial Solutions. He made several false or misleading claims : * That the late payments caused by following through with their settlement process would only hurt my credit for a few months and then my credit would be back to normal within six months, because lenders don't care about the past, only my current ability to pay * That credit card account balances slightly over the credit limit were being counted as accounts with late payments, and that they would continue to be counted as late payments every time the balance ticked above the limit because of monthly interest charges being applied, even if I made my full payments due on time * That I would probably not receive 1099-C forms from these lenders when my balances were reduced, and further that if I did receive a 1099-C, there was a simple IRS form to fill out and I would definitely not have to pay taxes on the balance reductions He did not reveal that part of the process was stopping payments to creditors even though I have the ability to make the payments. When we discussed it, he said I have to stop paying the lenders so that it will look like I am insolvent, even though I do have the ability to pay them now. He did not reveal until asked that part of their process involves giving them power of attorney to act on my behalf. 

Overall, XXXX coached and encouraged me to commit fraud and made fraudulent claims himself to induce me to sign up for a service that I did not want or understand. 

The contact info I was given for his company is : Boostify Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXXXXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XXXX XXXX & XXXX XXXX without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2025-02-06 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: FL

Complaint narrative:
I thought I had resolved the issue with XXXX XXXX in regards of the personal loan with them. I had sought legal representation to resolve this issue, they removed it then they RE-INSERTED this information without my knowledge, I signed the documentation per their counsel 's requested, I initially wanted to seek financial compensation for them re-inserting the information on ALL OF MY CREDIT REPORTS, however I realized that I was going to be in breach of the agreement ( in which I agreed to stick to them removing the information from ALL OF THE CREDIT REPORTS AND RECORDS ). I signed and provided the signed documentation along with the tracking information for the signed document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I thought I had resolved the issue with XXXX XXXX in regards of the personal loan with them. I had sought legal representation to resolve this issue, they removed it then they RE-INSERTED this information without my knowledge, I signed the documentation per their counsel 's requested, I initially wanted to seek financial compensation for them re-inserting the information on ALL OF MY CREDIT REPORTS, however I realized that I was going to be in breach of the agreement ( in which I agreed to stick to them removing the information from ALL OF THE CREDIT REPORTS AND RECORDS ). I signed and provided the signed documentation along with the tracking information for the signed document.

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 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX  Discharge Denial Dear Department of Education , I am writing to dispute the denial of my application for XXXX XXXX XXXX XXXX  ( XXXX  ) discharge of my student loans. This form, XXXX XXXX. XXXX, designates myself as my representative. 

I believe the denial of my application is unwarranted. I have provided documentation from [ Name of Physician/Medical Professional ] demonstrating my XXXX and its impact on my ability to engage in substantial gainful activity. [ Specifically mention the disabling condition ( s ) as documented in the application and any subsequent correspondence. For example : " My disabling conditions include [ List conditions ] which severely limit my ability to [ Explain specific limitations, e.g., stand for extended periods, concentrate, perform repetitive tasks, etc. ]. '' ] [ Clearly and concisely explain the reasons you believe the denial was incorrect. Provide specific examples and refer to the supporting documentation you have submitted. For example : " The denial letter stated that my medical documentation was insufficient. However, I submitted [ Mention specific documents, e.g., doctor 's reports, medical evaluations, diagnostic test results ] which clearly outline my diagnosis and the functional limitations resulting from my XXXX. These documents demonstrate that my condition meets the criteria for XXXX  discharge as defined by the Department of Education. '' ] If you have any additional documentation that you did not include in your original application, include copies of those documents with this letter. Clearly state what each document is and how it supports your claim. For example : " I am also including [ XXXX XXXX XXXX ] which provides further evidence of [ Specific aspect of XXXX ] and [ XXXX XXXX XXXX ] which clarifies [ Another aspect of XXXX ]. '' ] I respectfully request that you reconsider my application for TPD discharge. I am confident that the documentation I have provided, both in my original application and with this dispute letter, sufficiently demonstrates that I meet the criteria for discharge due to my XXXX XXXX XXXX XXXXXXXX. 

Please acknowledge receipt of this dispute and inform me of the next steps in the review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
There are unauthorized hard inquiries that appear on my TransUnion credit report. 

XX/XX/XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 Electric 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 2025-02-05 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:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief