vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 proces 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 XXXX  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 2025-01-25 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: FL

Complaint narrative:
The following accounts need to be removed. 
XXXX XXXX does not look familiar to me nor does the XXXX XXXX XXXX XXXXXXXX was closed and completed and needs to be remover also. XXXX  doesnt sound familiar and XXXX  was completed.

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 2025-01-25 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: FL

Complaint narrative:
The following accounts need to be removed. 
XXXXXXXX XXXX does not look familiar to me nor does the XXXX XXXX XXXX XXXXXXXX was closed and completed and needs to be remover also. XXXX  doesnt sound familiar and XXXX  was completed.

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 2025-01-25 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: SC

Complaint narrative:
Since opening a NFCU, theyve charged me outlandish overdraft fees causing negative balances on my checking and savings accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and the protections provided under the XXXX XXXX XXXX [ 1002.142 ( b ) ( 4 ) - ( 5 ), 1002.142 ( b ) ( 7 ) ], I am formally requesting that the following accounts be blocked and deleted from my credit report due to my status as a XXXX XXXX XXXX XXXX involving debt bondage.

Pursuant to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ), you are required to block this information from my credit report within four business days upon receiving this notice. The listed accounts were incurred as a result of my trafficking situation and are not valid.

Accounts to Be Blocked and Deleted : XXXX  Account Number : XXXX Balance : {$0.00} ( Sold ; was in collection ) XXXX XXXX Account Number : XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$230.00} Original Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$400.00} Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Balance : {$310.00} Original Creditor : XXXXXXXX XXXX XXXX Please block and delete all of the above-listed accounts from my credit report. I am also providing documentation from an advocacy group supporting me in this matter, which further verifies my status as a victim of human trafficking and the resulting debt bondage. 

Failure to act promptly will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal action to protect my rights under the FCRA. Written confirmation of these accounts ' removal should be provided within four ( 4 ) business days of receipt of this letter.

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 2025-01-25 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:
Equifax and XXXX keep stating the my 3 collection accounts are accurate. However, they are not. I want the accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 2025-01-25 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
To : CFPB, XXXX, XXXX, XXXX ; TDRCS XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/XXXX XXXX  account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : XXXX and XXXX report a balance of {$910.00}, while XXXX continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS 1099-C form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus. 
Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against TD Bank, N.A., which owns TD RCS, for similar violations. In XX/XX/scrub>XXXX XXXX the CFPB cited TD Bank for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered TD Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across XXXX, XXXX, and XXXX. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had so credit cards with Capitol one, i never missed payments, always stayed on top of everything. A while back i was headed on a trip. I paid my credit card balances on both before the trip so that i may use them for any expenses that I wouldve had. They accepted my payments and credited my cards, just like normal every other time i would use the cards. I then went on the trip used only those two cards for anything i needed paid, and everything was fine. Once the trip was completed i headed back home, and i checked the remaining balance i had and was still in the clear. A couple days later i went to use the cards to pay for something yet it kept declining. I was confused because i had recently checked my balance and shouldve had enough to cover the total. So i went to check my account to make sure an unexpected bill didnt come, and no the accounts were closed. To my confusion i went to check why, and Capitol one stated that there was a fraud detection on my account. I was extremely scared because i thought someone got a hold of my identity, and at the least my finances. Yet that wasnt the case. I called in to see what the next steps were because Im under the pretense that someone has access to my information, and while trying to solve this issue the representative explained that i didnt have enough money to pay my balance. This left me confused because I didnt attempt to pay any balance since before i went on my trip. When he went into more detail, he claimed that my original payment defaulted, which is very concerning because i paid that almost a month ago at this point. Extremely confused on if this is the case why now is when they would bring this to my attention, he then tells me that because of this they decided to close both accounts even though they claimed only one of the card payments defaulted. He then tries to convince me to then pay these debts which arent mine whatsoever ever. The payments they say defaulted are claimed to be reverted, yet the money never was sent back to my capitol one debit card, which is what i would use to pay on the credit cards. Which is where my direct deposit comes to, so they would be the first to see my income and have an overview of all my finances. So if it was because of one late payment according to them Im confused on why they would close both of my credit cards instead of just charging me a late fee, especially seeing that i made on tie payments every time for the duration of me having these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX, and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure they complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. I want the following accounts removed : 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 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 2025-01-25 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: WA

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Experian, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure they complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. I want the following accounts removed : 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 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 explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
Unauthorized hard inquiries were obtained by XXXX on XXXXXXXX XXXX XXXX, and by XXXX XXXX on XXXX XXXX XXXXXXXX XXXX also obtained an unauthorized inquiry on XXXX. I am filing a police report and need to correct my personal information, which contains multiple incorrect names and addresses that are not mine.

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 2025-01-25 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: PA

Complaint narrative:
Unauthorized hard inquiries were obtained by XXXX on XXXX and XXXX, and by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX also obtained an unauthorized inquiry on XXXX. I am filing a police report and need to correct my personal information, which contains multiple incorrect names and addresses that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX 

Ive asked for XXXX and proof of debt. None sent. Ive paid some collections in settlements and asked them to be removed. They say it would. It hasnt. 

I also cant dispute inquiry on XXXX XXXX or TransUnion. 

Most dates are incorrect. Most debt is incorrect. 

Credit cards show late payment but Ive not been late and my score decreased XXXX points. Disputed. No action was taken.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX 
XXXX XXXX. 

Ive asked for ffa and proof of debt. None sent. Ive paid some collections in settlements and asked them to be removed. They say it would. It hasnt. 

I also cant dispute inquiry on XXXX Experian or XXXX. 

Most dates are incorrect. Most debt is incorrect. 

Credit cards show late payment but Ive not been late and my score decreased XXXX points. Disputed. No action was taken.

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 2025-01-25 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: NY

Complaint narrative:
XXXX to XXXX Experian Reporting Agency had my information in a credit breach ; now I have all these inquiries and accounts that aren't mine

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 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have identity theft. Some has used my bank info cell # and social.

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 2025-01-25 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: TX

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They never gave me a credit limit, and decided randomly to reduce and place a limit on the card that was $ XXXX under my balance on purpose for then generate over limit fees to generate more money and charge me more interests fees. This was a tactic the eve rate more money when my AMEX platinum card never had a limit on it to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is negative information that is adversely affecting opportunities for me. Accounts that have been closed and still on there, accounts showing delinquent /late but it has been paid up. The whole credit system needs to be done away with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is negative information that is adversely affecting opportunities for me. Accounts that have been closed and still on there, accounts showing delinquent /late but it has been paid up. The whole credit system needs to be done away with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation