vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject XXXX Complaint Against Consumer Portfolio Services for Potential Violation oXXXX XXXX XXXX XXXXXXXX Laws To Whom It May Concern, I am writing to formally lodge a complaint against Consumer Portfolio Services ( CPS ) regarding what I believe to be a violation of XXXX XXXX XXXXXXXX laws under XXXX XXXX XXXX. Specifically, CPS has charged me an interest rate of 26 % on my auto loan, which appears to exceed the legal limit imposed by XXXX XXXX  state law.

The details of my auto loan are as follows : Lender : Consumer Portfolio Services Loan Account NumberXXXX Loan Origination Date : XX/XX/year> Interest Rate : 26 % Loan Amount : {$29000.00} Under XXXX. XXXXXXXX XXXX XXXX imposes strict limits on the amount of interest that can be charged on loans, and it is my understanding that the rate applied to my loan may be unlawful. This excessive interest rate has placed a significant financial burden on me and may constitute predatory lending practices. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Consumer Portfolio Services if they are found to be in violation of state and federal lending laws. Additionally, I would like to know what steps I can take to seek restitution or any corrective measures that may be available to me.

Please advise me on the next steps regarding this complaint. I am willing to provide any necessary documentation to support my claim. Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-02-04 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed accounts am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. Request immediate investigation upon removal of this item, as it is and incorrect and doesnt reflect my true credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX XXXX XXXX  ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXInquiry XXXXnquiry XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

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 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BetterNOI, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX : ( XXXX ) XXXX Subject : Urgent Dispute Fraudulent Inquiries Wrongful Eviction Record & Collection Dear XXXX XXXX XXXX XXXX I am writing to dispute multiple unauthorized credit inquiries that have appeared on my report, which are wrongfully preventing me from securing housing and damaging my creditworthiness and is being used unfairly to deny me financial opportunities. 
The disputed inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( on record until XX/XX/XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ( on record until XX/XX/XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ( on record until XX/XX/XXXX ) I have never applied for housing at these locations, nor have I authorized these inquiries. As per the Fair Credit Reporting Act ( FCRA ), a company must have explicit written consent to conduct a credit inquiry. If you can not provide proof of my authorization, these inquiries must be removed immediately. 
This Is Urgent I was recently denied housing due to these false inquiries, causing me financial and personal hardship. I request that you prioritize this dispute and provide a resolution within 15 days, instead of the usual 30 days, given the seriousness of this situation. 
I Request the Following Actions : XXXX. Immediate removal of these unauthorized inquiries. 
XXXX. A written response confirming their deletion. 
XXXX. If you believe these inquiries were authorized, provide copies of my written consent. 
XXXX. Cease and desist all reporting of this eviction record to tenant screening agencies, credit bureaus, and potential landlords. 
Failure to act on this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I am also prepared to take legal action to enforce my rights under the FCRA. 
Please confirm receipt of this letter and provide an immediate update on my case. I expect this matter to be handled urgently. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
To whom it may concern, Good evening, I hope this message finds you well.

I received an email from the Cash App Company informing me that my Cash App account was closed because supposedly, I violated the Company Policy ; I contacted the Customer Support department to request a clarification on that statement. OnXXXX XXXXXX/XX/XXXX, the Customer Department sent me an email stating that, on XX/XX/XXXX Cash App Investing sent me an email titled an important message about my Cash App Investing Account. In this email, they detailed that after careful review my investing account is in violation of our Customer Account Agreement and would be closed on XX/XX/XXXXXXXX I would like to express my concern regarding the decision to close my account and, I want to appeal it. There is no valid justification for this action, as I have never engaged in investing transactions. I am confused as to how I could be accused of such activities without any evidence. 

I do not agree with this resolution and would like to formally appeal the decision. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Trans union and XXXX are reporting my credit cards are not paid off but they are it's keep showing I owe money. Also on my credit report it has addresses on there I never ever lived at I lived at my current address my entire 45 years of living I have never lived outside of XXXXXXXX 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX and equifax are reporting my credit cards are not paid off but they are it's keep showing I owe money. Also on my credit report it has addresses on there I never ever lived at I lived at my current address my entire 45 years of living I have never lived outside of XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
This Information is incorrect on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been contacting Equifax for over one year. I have mailed in the requested documents, such as my ID and Social Security card. Equifax continues to refuse to provide me with a temporary password. I have provided all the information before a live representative and when I get a live agent. The problem continues no matter what I have provided. At this point, Equifax is causing me financial damages and preventing me from accessing my account to verify my accounts. I have made it clear that I'm dealing with fraud, a human trafficking situation phone hacking, computer systems, mail fraud and theft, and phishing phone calls. I needed to get into my account and email their customer service department at XXXX. I get automated email responses with no assistance at all. All I need is to access my account and be able to gain access to fixing my accounts due to dealing with terrorists that my XXXX is involved with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. I am attempting to do my due diligence to improve myself and my families life. This account is hurting my ability to obtain credit. Its my understanding that Trans Union, Experian & Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-02-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. I am attempting to do my due diligence to improve myself and my families life. This account is hurting my ability to obtain credit. Its my understanding that Trans Union, Experian & Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 cashapp 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 regulations 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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint to report Transunion failure to investigate and provide verification for disputed late payments reported on my credit report and failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Despite multiple written disputes regarding inaccuracies on my credit report, Transunion has refused to conduct proper investigations or correct the errors as mandated by law. I submitted proof regarding these inaccuracies on XX/XX/XXXX. As of XX/XX/XXXX, Transunion has failed to respond, re-investigate, or provide verification of the information they received from the original sources, which is a clear violation of federal laws under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). This failure has caused harm to my credit score, impacting my ability to secure housing for me and my children. This extended delay in addressing my disputes is also a violation of the FCRA, which mandates timely responses and investigations

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 2025-02-03 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: FL

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 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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AZ

Complaint narrative:
Cashapp closed my account I had with them and I still had XXXX $ in the account and when i called they told me they couldnt do anything and then they said I was supposed to receive a check but I never received a check from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is not a duplicate. Do not remove from CFPB portal. This is a new issue about a different check. Where is the endorsement for check XXXX? The image provided showed a stamp payable to Wells Fargo N.A without an account number? My husbands check was made payable to XXXX XXXX XXXX XXXXXXXX XXXX for payment of premium of our life insurance policy. There is no proof of deposit. There is no proof the premium was paid to XXXX XXXX XXXX for the policy. There is missing information that is required under check 21 act. I have attached an image from the Federal Reserve Board.gov website which shows information a personal cancelled check image should have. The image provided by XXXX does not show the Payees Bank Stamp, account number of payee and the stamp is missing an account number. Look at the images and compare. The XXXX ( XXXX  ) check is not legal proof of payment received by XXXX XXXX XXXX XXXXXXXX XXXX. I would like an explanation for the wilful concealment of information that XXXX is supposed to have before XXXX disburses funds against a personal check? Why does XXXX not provide the information to their customers about accounts received and disbursed to?

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