vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX XXXX XXXX  Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This agency violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by this agencies use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this agency ; supporting documentation will be furnished.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
My account was permanently deactivated on XX/XX/year>. I reached out to them last week to unfreeze my number from being hacked years ago because I had been using Venmo for the past 5 years with no problem but wanted to use my current phone number. When I emailed them this week about unfreezing my current phone number they deactivated my account with XXXX warning this time with funds in my account. Years ago I was deactivated when my phone was left at a party and my account was hacked someone got into my account and did some activity on my account that I was not involved in. I got my phone back the next day and I was banned. I contacted Venmo and they did nothing to help me. I was able to get back onto Venmo with a new number and phone a couple of months later and have had no issues because I do not do anything illegal or wrong on my phone. This deactivation has been a big and sudden problem for me because I use Venmo for various payments in my life. I am trying to escalate it for further investigation because the company is not emailing me and I am getting XXXX responses. I am trying to keep using this form of payment because I use it for my company and my day-to-day life. Please assist me with this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am not even sure if i clicked the right boxes because they didn't quite fit my complaint. Back in XXXX XXXXXXXX solar sold me on solar panels with the promise of in their words " sticking it to XXXX ''. I was promised many things by the solar company, including panels that work and provide enough energy to not only get rid of my energy bill but also enough power to send back to the grid and generate credits for the future. I was promised XXXX insulation roughly to the sum of {$10000.00}, they did not install any insulation. I was promised a federal tax credit of 26 % of the cost of the solar panels which i also did not receive, as the salesman worded it as if i was going to receive a lump sum check that i could pay back to Dividend Finance, the lender, to help pay down the loan, which also did not happen. Instead, the salesman pushed and pushed to have me sign everything the same day so i could not read it properly in length and have time to consider such a big purchase. I have read that the finance company is in litigation in other states because of misrepresentation by the solar company, and for HIDDEN FINANCE CHARGES, which to my knowledge is illegal under the Truth In Lending Act. I have been paying the finance company on time every month since XXXX, while also paying an electric bill that i was promised would not exist. They also told me that the solar panels on the north side of my roof would generate enough power and wouldn't be a problem, but they are almost never touched by the sun to generate any power whatsoever. The system has failure after failure, and is now causing mold damage to the north side of my roof, since the panels are almost in complete darkness even during the day, the underside of the panels has become a haven for mold. I just need some guidance as to how or what i can do to be free of this pain. The finance company gives me the runaround and wont let me see my loan when i try to go on their portal to view it, it says my loan does not exist. i have asked them about it and they say that they can see it on their end but give me no solution as to why i can not see it. I have contacted the Michigan Attorney General about this and they are working on something but who knows how long or what they are doing about it. I want help to see if they have hidden finance charges on my loan as well and also how would i find this information on my own if possible. The truth in lending act disclosure does not give any breakdown of the cost of the panels, installation, or anything, all it says is my loan amount and the apr, and the finance charge of it being paid over 30 years. Please help or at least point me in any proper direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MA

Complaint narrative:
I am filing a complaint regarding predatory lending practices by XXXX, an online lender owned by BlueChip Financial, which claims to operate under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During a medical emergency, I obtained a {$700.00} loan from XXXX. The loan terms included : Principal amount : {$700.00} XXXX : 490 % Loan origination date : XX/XX/year> My specific complaints are : The 490 % APR is unconscionably high and appears to violate Massachusetts usury laws, which cap interest rates at 20 % annually unless otherwise permitted by law XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  does not allow principal-only payments, which traps borrowers in a cycle of high-interest debt. 
While XXXX  claims tribal sovereign immunity through BlueChip Financial, they are conducting business entirely off tribal lands through online lending to Massachusetts residents. This operation appears designed to evade state consumer protection laws. 
XXXX  's loan agreement includes a forced waiver of state law protections, specifically stating : " I agree that the laws of my state of residence do not apply to my Loan Agreement. My Loan Agreement will be governed exclusively by the laws of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Federal law. '' This attempt to waive state consumer protections through contract terms appears to be an deliberate effort to evade state usury laws and consumer protections. 
When confronted about these practices, XXXX  's response was merely to state that their rates are clearly disclosed, ignoring the fundamental illegality of their interest rates under state law. 

Prior Actions Taken : XXXX. Filed complaint with Massachusetts Attorney General 's Office 2. Attempted to resolve directly with XXXX  through their customer service XXXX. Posted public review of their practices, to which they responded only by asserting their tribal status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds even transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues 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 2025-01-29 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-01-28 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: TX

Complaint narrative:
I am writing to dispute inaccurate late payment reporting on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have never had any late payments, and the reported information is incorrect. This inaccurate reporting is negatively impacting my credit profile and does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and the removal of these incorrect late payment records from my credit report. Thank you for addressing this matter promptly. If you require any additional documentation or details, please contact me directly.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 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: TX

Complaint narrative:
On XX/XX/scrub> 2024, I sent a formal dispute letter to Equifax regarding a fraudulent account on my credit report resulting from identity theft. The letter was sent via certified mail and received by Equifax on XX/XX/year>, per USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. They simply responded as a delay tactic because I responded with all of the requested information originally and have pictures of all of the documents I sent to them time stamped. 

I provided all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax was required to block the fraudulent account from my credit report within 4 business days and notify me of the resolution. However, Equifax has failed to : Remove the fraudulent account from my credit report.

Provide any written notification regarding the status of the investigation.

This inaction is a clear violation of the FCRA and has caused significant harm, as I am in the process of securing a mortgage and the presence of this fraudulent account is delaying my ability to proceed. 

Disputed Account XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NV

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. Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannoi furnish an account without my written furnish an 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 and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief