vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
unauthorized use of my personal information by transunion specifically their actions in including or modifying entries on my credit report without my expressed written consent. These actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant provisions under 12 CFR 1022.3, which define identity theft and emphasize the need for proper authorization when handling consumer data. Without my prior written consent, credit bureaus have added, modified, or retained the following items on my credit report : XXXX XXXX XX/XX/XXXXXXXX all hard inquiries 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Also, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I requested multiple methods of verifications for accounts you claimed were verified and the information is still incorrect or incomplete on multiple accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Someone opened up aXX/XX/XXXX credit card in my name and ran up a balance, I have not had any accounts with XX/XX/XXXX XXXX, nor have I did any applications. I would like for this to be investigated and removed from my credit profile immediately. The account isXX/XX/XXXX XXXX is the account number shown 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-22 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: SC

Complaint narrative:
On XX/XX/scrub> 2024, I received a notification of a data breach indicating that my personal information, including my Social Security number, credit card information, drivers license, and other sensitive data, was compromised. As a result, I have been a victim of identity theft, leading to the creation of multiple fraudulent accounts and unauthorized inquiries on my credit reports. 

Despite filing disputes with credit bureaus and creditors, these inaccuracies remain unresolved, causing significant harm to my credit profile and financial well-being. The scope of this fraud is too extensive to name every single account and inquiry, and I request a comprehensive removal of all accounts and inquiries associated with fraudulent activity. 

Accounts to Be Removed : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXXXXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Missouri of XXXX XXXX 8 . XXXX XXXX XXXX XXXX XXXX XXXX 
9. XXXX. XXXX and XXXX Unauthorized Inquiries to Be Removed : 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 2025-01-21 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:
On XX/XX/scrub> 2024, I received a notification of a data breach indicating that my personal information, including my Social Security number, credit card information, drivers license, and other sensitive data, was compromised. As a result, I have been a victim of identity theft, leading to the creation of multiple fraudulent accounts and unauthorized inquiries on my credit reports. 

Despite filing disputes with credit bureaus and creditors, these inaccuracies remain unresolved, causing significant harm to my credit profile and financial well-being. The scope of this fraud is too extensive to name every single account and inquiry, and I request a comprehensive removal of all accounts and inquiries associated with fraudulent activity. 

Accounts to Be Removed : 1. XXXX XXXX XXXX XXXX 2.XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4XXXXXX/XX/XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Missouri of XXXX XXXX 8 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
9. XXXX. XXXX and XXXX Unauthorized Inquiries to Be Removed : 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
( 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

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 when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: ID

Complaint narrative:
My navy federal account was closed due to a debit transaction going through and causing my account to overdraft and they added a bunch of fees even after I tried to fund the account via XXXX from another account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to the inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Funds Transfer Act and Regulation XXXX These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX these companies used my credit report without my knowledge and consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
On XX/XX/year> I disputed the Original creditor XXXX XXXX XXXX XXXX XXXX XXXX company they sent the account to. called Fair Collection and outsourcing, I sent all my documents showing proof of all my payments I made to equity equal canyon Transunion remove the original creditor but refuse to remove the collection company that equity equal canyon sent the account to XXXX XXXX XXXX XXXX  I Dont Owe Fair Collection and Outsourcing anything the Original creditor that sent the Account to Collections no that I Dont Owe Them Anything that why Transunion removed XXXX original creditor from my credit profile.Refuse to remove the collection company knowing that I dont owe them nothing. Please have them to do a full investigation to delete this Fraudulent XXXX XXXX XXXX XXXX  off my credit profile profile.

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 2025-01-22 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: IL

Complaint narrative:
I looked at my credit report and so a number of credit inquiries that I had not authorized and should be removed immediately.

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 2025-01-22 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 looked at my credit report and so a number of credit inquiries that I had not authorized and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
After reviewing my credit report I have noted that someone has used my identity to obtain credit from various creditors and wireless companies. it appears that my identity has been compromise and as a results I have become a victim of of identity theft. I have submitted a report with FTC to alert all reporting credit bureaus regarding the issues I am expecting a prompt resolution from the credit bureaus to remove these fraudulent accounts from my credit profile. 

Thank you

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 2025-01-22 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: OH

Complaint narrative:
I recently received a copy of my credit report and noticed some fraudulent accounts, please delete these fraudulents accounts as it prevent me 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 2025-01-22 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.

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 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 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NH

Complaint narrative:
I applied for an IDR plan in XXXX. It was approved but looked like my XXXX plan was dropped. I attempted to reach them XX/XX/year>. I had not been making payments because I thought they were paused due to the XXXX plan being a mess. I began getting ahold of them at XXXX by calling. I got ahold of someone at XXXX. The person needed to transfer me to another department. When I was transferred, I was put back on hold and the automated message says estimated time XXXX hours and XXXX minutes. I clicked the option to be called back when it was my turn. I was called back at XXXX. When I answered I said Hello? Then I heard a click and the line disconnected. I never got a call back and had to go back through the whole process of trying to get ahold of someone. I called again at XXXX and was on hold for XXXX hours and XXXX minutes before hanging up. I will try calling again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend corporation closed my account on XX/XX/year> Netspend corporation is refusing to send me a check in the mail for a credit that was posted on my account from a merchant on XX/XX/year> XXXX name is XXXX. I used my Netspend debit card to make this {$950.00} purchase on XXXX XXXX. They are giving me an absolute hard time when all I am trying to do is just receive My personal funds. I have already reached out to all my other payment providers and informed them of my new routing number and account number. I have even told Netspend corporation over recorded lines that I have updated everything with everyone else, and this was the only merchant that I was unable to stop from being put on my account because they could only refund me back to my original payment method per there policy and no other place they could send it .When I reached out to The merchant and let them know that my bank is refusing to send me the check in the mail. They advised me that the bank should be able to send me a check in the mail because there is no other way for them to give me the money back since it was refunded back to the original payment method. I need assistance with this and with all due respect I am very glad that my relationship has ended with Netspend corporation. They have done nothing but stress me out and here I am trying to get money back that belongs to me. Also, Netspend corporation offers virtual cards to use for there shopping protection for their customers, and I used the virtual card that was linked to my checking account for this transaction.

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 2025-01-21 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Account name SECURITY CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$300.00} XXXX updated XX/XX/XXXX

Company response to consumer: Closed with explanation