vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MI

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 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 have caused significant inconvenience and 48 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX is currently reporting inaccuracies on my credit report again. CAPITAL ONE BANK USA NA, ACCOUNT NUMBER XXXX is reporting as 4 years, 6 months and 26 days.

How is this possible when this account is over ten years old and over the statue of limitations ; paid in full years ago ; and has been removed from XXXX and XXXX. Why is it so hard for XXXX to abide by consumer laws and report the right information on people 's credit report. I'm stating now, that capital one does not have the permission or right to sell my personal information to anymore collection agencies. This account should not be reporting, it's too old and violating my rights AGAIN.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : Collections Collections Account Reported Amount : {$4000.00} Date of Opening : ( Details unavailable in provided report ) Credit Collection Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX Balance : {$99.00} Date Opened : XX/XX/XXXX Additional Accounts from TransUnion Report XXXX XXXX XXXX  Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$4800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX I have attached supporting documentation to assist with your investigation. 

I request that TransUnion : Conduct a thorough investigation into these matters.

Correct or delete the inaccurate information as appropriate.

Provide me with a copy of the updated credit report reflecting these changes.

Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXXAll Rights Reserved Without Prejudice

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting inaccurate and non-mailable addresses on my report, I only have one address not multiple addresses this violates my privacy and accuracy credit reporting rights

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I stayed in XXXX XXXXXXXX XXXX XXXXXXXX the took out XXXX out my out without my permission saying I smoked I dont smoke neither did my guess I requested pictures where I smoked but I did notice a burnt make on the toilet was was old. My issues is I have banked with usaa for years and Im wanted my funds back which it has cost overdrafts

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently discovered that a fraudulent account was created with capital one about a year ago and i have been requesting for this to be removed off of my credit reports for about a few months now and ive had a hard time i have provided the creditors proof of birthdate from the account as wrong also

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union failed to provide me with a full ledger of all oops fees paid since opening my account. Not only has Navy Federal charged me oops fees when funds were available they have failed to reimburse me for their errors.

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: 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: CA

Complaint narrative:
I reached out to this company multiple times asking if they can please provide me with accurate information validating the debt, which they did not provide, but the credit company is still verifying this debt as mine, which it is not I did not sign a contract with this company. I also asked if they can show me proof regarding this contract with the company and they can not provide it, and I noticed that you guys sued XXXX and a couple of the credit agencies for not accurately investigating! I would like to inform you that they are inaccurately investigating items on my credit file! I made a dispute with them and 2 to 3 days later they say its verified!

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to this company multiple times asking if they can please provide me with accurate information validating the debt, which they did not provide, but the credit company is still verifying this debt as mine, which it is not I did not sign a contract with this company. I also asked if they can show me proof regarding this contract with the company and they can not provide it, and I noticed that you guys sued XXXX and a couple of the credit agencies for not accurately investigating! I would like to inform you that they are inaccurately investigating items on my credit file! I made a dispute with them and 2 to 3 days later they say its verified!

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: GA

Complaint narrative:
Complaint to CFPB Regarding XXXX Failure to Properly Investigate Disputes To Whom It May Concern, I am filing this complaint against XXXX for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my multiple submissions of disputes, including supporting documentation, XXXX consistently responds within 24 hours, claiming that the disputed accounts are accurate without providing any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes submitted by consumers. The rapid response timeframe, coupled with the lack of detailed findings or supporting evidence, demonstrates that XXXX is not conducting a substantive or meaningful review of the disputes. 

Furthermore, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceedings have highlighted the importance of adhering to the requirements set forth under these consumer protection laws. 

The following accounts are at issue in my disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the CFPBs assistance to : 1. Ensure XXXX reinvestigates these disputes in compliance with the FCRA and XXXX. 
2. Hold XXXX accountable for failing to perform reasonable investigations and for any potential violations of federal law. 
3. Require XXXX to provide detailed findings of its investigations and make the necessary corrections to my credit report. 

XXXX failure to comply with these legal obligations has caused me unnecessary stress and potential harm to my credit standing. I request your prompt attention to this matter to protect my rights as a consumer. 

Thank you for addressing this issue.

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: GA

Complaint narrative:
Complaint to CFPB Regarding Equifaxs Failure to Properly Investigate Disputes To Whom It May Concern, I am filing this complaint against Equifax for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my multiple submissions of disputes, including supporting documentation, Equifax consistently responds within 24 hours, claiming that the disputed accounts are accurate without providing any evidence of a thorough investigation.

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes submitted by consumers. The rapid response timeframe, coupled with the lack of detailed findings or supporting evidence, demonstrates that Equifax is not conducting a substantive or meaningful review of the disputes. 

Furthermore, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceedings have highlighted the importance of adhering to the requirements set forth under these consumer protection laws. 

The following accounts are at issue in my disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the CFPBs assistance to : 1. Ensure Equifax reinvestigates these disputes in compliance with the FCRA and CFPA.

2. Hold Equifax accountable for failing to perform reasonable investigations and for any potential violations of federal law.

3. Require Equifax to provide detailed findings of its investigations and make the necessary corrections to my credit report. 

Equifaxs failure to comply with these legal obligations has caused me unnecessary stress and potential harm to my credit standing. I request your prompt attention to this matter to protect my rights as a consumer. 

Thank you for addressing this issue.

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: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support inaccurate information reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. This is an invalid late payment, the FCRA allows 30 days for this to be rectified.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/scrub> XXXX I filed a complaint about your company EXPERIAN for not properly investigating previously disputed errors on my credit report. This is a violation for the Fair Credit Reporting Act that requires your company to take the necessary steps to ensure that the information that you're compiling is accurate, and to investigate my complaints. XXXXXXXX XXXX XXXX  the CFPB sued your company for " Sham investigations '' rather than properly reviewing the disputes as required by federal law. It's XX/XX/year>, and I have NOT gotten a response back yet. I will reattach the previous dispute letter with the accounts that you did NOT properly investigate. The information that your company is reporting is inaccurate, and has caused severe damage to my character, livelihood and general mode of living. These accounts 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 2025-01-28 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: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions 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, XXXX actions may also contravene the consumer financial protection act ( CFPS ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts are as follows : 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 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions 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, XXXX actions may also contravene the consumer financial protection act ( CFPS ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
My money as available to me. My girlfriend sent me money and I didn't get it.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following accounts are not mine

Account name: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