vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Between XXXX XXXX, I received a CashApp card for an account I did not open. I called Cash App customer service who I told about the potential fraud though they noted to me the account had been closed and no transactions had been made on it and urged me to file a police report for potential identity theft. On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Virginia sent me an official letter to confirm a police report which I filed with them concerning the CashApp account which was opened in my name which I did not, in fact, open. 

On XX/XX/XXXX, I received a 1099-K form in the mail with the FILER noted as Block, Inc. f/k/a Square, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX TIN : XXXX ). The form claimed I had received a gross payment card/third party network transactions of USD {$1100.00} for Merchant Category Code 4214. The 1099-K form claimed 75 payment transactions had been made. The form claimed " Card not present '' in transactions amounting to USD {$1100.00}. The form noted USD {$670.00} in XXXX and {$430.00} in XXXX. The XXXX 's name and contact was listed as Block , Inc. https : //cash.app/contact with the account number noted as XXXX. 

I never owned this account. I neither made nor received these transactions or payments. On XX/XX/XXXX, I went to check my credit report but I did not see mention of a CashApp account on the report. 

This is fraud. I request CFPB 's assistance in protecting me. 



-- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Dear XXXX XXXX, The purpose of this letter is to confirm there is a report on file at the XXXX XXXX Police Department about the incident to which you referred. 
The following is a summary of the report on file. 

Case Number : XXXX XXXX Assigned : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Address of Event : XXXX XXXX XXXX XXXX XXXX, VA Type of Event : Identity Theft The complainant reported that someone used her identifying information to open a CashApp account. The complainant was advised to notify the credit bureaus regarding her identity breach. This letter is provided to the complainant to secure the extended XXXX credit monitoring with the credit bureaus. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I looked at my credit report and found fraudulent accounts on my report. It is affecting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I looked at my credit report and found fraudulent accounts on my report. It is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I looked at my credit report and found fraudulent accounts on my report. It is affecting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
I would to file a complaint against Equifax Credit Reporting Agency. I have previously file a complaint with CFPB because Equifax fails to properly conduct an investigation. I requested a proper investigation due to inaccurate and incomplete error on my credit report. Last complaint with the CFPB # XXXX regarding the same account XXXX XXXX XXXX .

I asked that Equifax remove the XXXX XXXX XXXX  account from my credit report due to inaccuracies but instead they have verified it as accurate and modified such as : closed date, date of first delinquency, and date of last payment which is historical account information. This is a violation and I would like to initiate arbitration at this point.

On the credit report from XX/XX/XXXX Equifax has reported that the XXXX XXXX XXXX  account was reporting this information : XXXX XXXX XXXX No Data Available XX/XX/XXXX Paid On Time XX/XX/XXXX No Data Available XXXX XXXX 60 Days Lates These are the inaccuracies that I had disputed and therefore requested that this account be removed but instead Equifax has verified this as accurate and modified this account information. 

On the credit report from XX/XX/XXXX Equifax reported that the XXXX XXXX XXXX Account was reporting this information : XX/XX/XXXX Thirty Days Late XX/XX/XXXX Sixty Days Late XX/XX/XXXX Ninety Days Late XX/XX/XXXX. One Hundred Twenty days late. Also modified historical account information such as Closed Date, Date of 1st Delinquency, and Date Of Last Payment.

Equifax has violated the FCRA, by failing to properly conduct investigations. I have disputed this account for multiple inaccuracies, I have asked for this account to be removed. Equifax is continues to display willful noncompliance and because of this I would like to file a civil lawsuit for failing to properly investigate consumer disputes. I would like to have this removed from my credit profile and possibly settle this civil liability outside of the courts as this has caused tremendous damage and harm to me.

Please I need CFPB I need you to hold Equifax accountable for their part in my inaccurate credit report. I will upload supporting documentation to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized.

However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I would like Mis information accounts removed and addresses that does not belong to me off of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I would like Mis information accounts removed and addresses that does not belong to me off of 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 explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I give Transunion and XXXX permission to proceed with complaint Per previous complaint XXXX Transunion response stated : they have removed XXXX  but it is still on my report and needs to be removed asap also fraud address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; variance of employment name XXXX XXXX XXXX need to be removed as well as all the inquiries that was submitted in police reports before : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. FTC Report Number XXXX XXXX : failed to remove fraudulent unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  company did not investigate and remove as they stated in their response this is frustrating I have been in data breaches etc.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing 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 ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 raises serious concerns on consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MS

Complaint narrative:
I'm writing to formally request the removal of this negative information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on my credit report. I believe that these entries do not accurately reflect my financial behavior or current standing. I have made every effort to resolve any issue and have acted in good faith to improve my creditworthiness. Since XXXX my identity was compromised and as of the last 2 or 3 years if not more, more accounts have been appearing on my credit profit that I am not in control of. In light of my consistent efforts to maintain financial responsibility. I kindly request that you review my case and ensure that my credit report is a true and fair representation of my financial story. Your prompt attention to this matter would be greatly appreciated.

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 2025-01-23 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I have asked for these accounts to be verified in the past and have provided an FTC report and have a CFPB profile where I've repeatedly complained. Some accounts have been returned to my profile incorrectly. Here is a new FTC number regarding this account : FTC Report # XXXX I was notified that the CFPB has filed a lawsuit against Experian and I have been experiencing the same across all 3 bureaus! I'm requesting these accounts be removed or corrected immediately as it is affecting my chances of getting a house, car and other items. XXXX, XXXX and Experian all violate my rights as a consumer, as well as federal laws. I would like all reported accounts to be removed corrected immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-23 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX. 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. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( 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
Consumer complaint received 2025-01-23 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: SC

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 2025-01-23 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: PA

Complaint narrative:
I am writing to explain the circumstances surrounding the delinquency on my XXXX XXXX XXXX  account. This issue arose due to unauthorized charges made on my account, which I promptly identified and disputed. Despite following the proper procedures to report these fraudulent transactions, my disputes were neither adequately addressed nor investigated by XXXX XXXX XXXX and XXXX XXXX. 

It is particularly concerning given the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which ordered XXXX and XXXX XXXX to pay over {$89.00} XXXX for failures related to their handling of XXXX XXXX accounts, including issues with dispute resolution. These systemic failures directly reflect the lack of action taken in my case and have contributed to the negative impact on my account status. 

I request that this delinquency be reconsidered in light of these factors, as it is a result of circumstances beyond my control and mishandling on the part of the card issuer. 

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 XXXX USC XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX Section 602 A. States I have the right to privacy. 

XXXX U.S.C. XXXX Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX U.S.C.XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 non-monetary relief