vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-11 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: Roadrunner Account Services, LLC
State: FL

Complaint narrative:
This account is charged off and according to the IRS ( A " charge off '' to the IRS refers to when a lender writes off a debt as uncollectible on their books, essentially treating it as a loss, and can potentially claim a tax deduction for the amount of the debt considered worthless, according to IRS regulations, usually under Section 166 of the Internal Revenue Code ; meaning they no longer expect to recover the money owed, allowing them to deduct it from their taxable income. ) This is a violation and i am seeking statutory damages in the amount of {$1000.00} to be received by XX/XX/year> and this account removed from all credit bureaus now. this i showing INACCURATE ON MY CREDIT REPORT, THIS ACCOUNT WAS WRITTEN OFF ON THE CREDITOR BUSINESS RETURN BUT YET THEY ARE STILL SHOWING IT ON MY CREDIT REPORT. PER THE IRS A 1099-C SHOULD HAVE BEEN SENT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> i filled disputes with my Bank " BMO '' against three businesses for Unothorized Withdrawals from my Debit Card XXXX XXXX XXXX XXXX XXXX, which is Connected to my Checking Account XXXX  XXXX. The Total amount of my Claims was {$740.00}, but the Credit i received was only {$270.00}, so the balance is {$470.00}. After these two dates i called many times asking " BMO 's '' employees and managers, Why i haven't received the full amount of my Claims and Detailed letter explaining to me the reasons of their Refusal. The only letters i received was telling me, that " BMO '' started the Investigation of my Claims. Every time i called " BMO '' XXXX XXXX XXXX XXXX employees and managers Proved to be Inept, Hostile and Racists, plus Purposely they put me on Hold for Long time and every time the Process was more than an Hour, which is Very Unusual for processing simple claims. This is by far the WORST customer service that i had from a Bank. Maybe " BMO '' isn't a real Bank!

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 2025-02-11 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: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED 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 2025-02-11 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Last year, I was laid off from my job with absolutely no warning. To make matters worse, my former employer fought against me receiving unemployment, leaving me with XXXX income for a period of time. During this financial hardship, Navy Federal charged me 16 separate ACH fees in XXXX and XXXX of XXXX. Since I had always maintained a steady income, I wasnt aware of how many transactions were still tied to my account. 

Desperate for help, I contacted Navy Federals customer support team, pleading for assistance. Rather than showing any compassion, I was met with indifference and dismissiveness. After much back-and-forth, they reluctantly refunded only 4 out of the 16 fees, stating that I should " manage my account better '' and that there was nothing more they could do. 

Fast forward to last weekI received an email from Navy Federal announcing that ACH fees would no longer be charged moving forward. Given my ongoing financial difficulties, I reached out again, requesting a refund for the remaining fees from XXXX and XXXX, hoping for some relief. Once again, my request was denied, but this time, I was told that someone " may '' contact me about the fees. That vague response raised concerns, prompting me to investigate further. 

Through my research, I discovered that Navy Federal had been charging " illegal fees '' on customers ' accounts for years and had been caught. This revelation led me to dig deeper into my own account history. When I attempted to filter my transaction history specifically to review all fees charged, no results appeared ( screenshots provided below ). It wasn't until I manually adjusted my search criteria that I was able to force the fees to load and display. 

Upon reviewing my account history, I was shocked to find that since XX/XX/XXXX, Navy Federal has charged me an outrageous {$2600.00} ( 90 fees at {$29.00} each ) in ACH fees, yet only {$340.00} ( 12 fees ) has been refunded. Looking further back into XXXX, I found an additional 16 ACH fees, bringing my total fees paid to a staggering {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Account was locked out. So hey stated my information didnt match. I sent them I for and was still declined access to account even to withdraw funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I am a victim of the equifax breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I am a victim of the equifax breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-02-12 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These credit accounts and hard inquiries are the results of identity theft and fraud

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 2025-02-11 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: CO

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS OR PAID AS AGREED Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as XXXX XXXX. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security 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 2025-02-11 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: CO

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS OR PAID AS AGREED Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as XXXX XXXX. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
When reviewing my credit report this morning, I was alarmed to see an unauthorized inquiry that I do not recognize. This discrepancy appeared out of nowhere, and despite refreshing my browser, it did not go away. I am extremely frustrated and demand that my documents be carefully examined so this issue is resolved once and for all.

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 2025-02-11 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: Experian Information Solutions Inc.
State: IN

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.

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, other than records of convictions 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 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 2025-02-11 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: PA

Complaint narrative:
This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I spotted unexpected discrepancies. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-11 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: CO

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS OR PAID AS AGREED Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as XXXX XXXX. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security 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 explanation