vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXXXXXX  To : XXXX Victoria 's Secret XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charged-Off Account Account # XXXX Dear Sir or Madam, I am writing to formally dispute the reporting of the above-referenced account on my credit report. My name is XXXX XXXX, my date of birth is XX/XX/XXXX, and my address is XXXX XXXX XXXX XXXX, OH XXXX. 
According to my credit report, this account was opened in XX/XX/XXXX and the last activity occurred in XX/XX/XXXX. Given that this account is now several years old and has been transferred or sold, I am requesting a thorough investigation into its reporting accuracy and compliance with federal and state regulations. 
The age of this account and its current status raise concerns about its accuracy and relevance. I am requesting verification of the information being reported. If this account is found to be unverifiable, incomplete, or inaccurate, I kindly ask that it be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 
I have attached a copy of my credit report highlighting the account in question, along with a copy of my identification and proof of address to facilitate your investigation. 
Please provide me with the results of your investigation, including any documentation or records used to verify this account. If sufficient verification can not be provided, I respectfully request the immediate removal of this account from my credit file. 
Thank you for your attention to this matter. I look forward to your response within the 30-day period stipulated by the FCRA. Should you have any questions, feel free to contact me at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: NY

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( block , inc ) due to in adequate customer service and unfair practices. Which violates consumer financial protective act. ( CFPA ). specifically Cash App failed to take timely and effective measures. To prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error, resolution requirements. Under the electric fund transfer act. ( EFTA ) and reregulation E. These act has caused a significant inconvenience and financial loss. and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Im filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the consumer, financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
I am writing to file a compliant against Navy Federal Credit Union regardimng multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postimg of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IN

Complaint narrative:
I started a trucking company in XXXX  and opened a business checking account with XXXX for the company. Once I started generating revenue XXXX offered me a business Credit card which I opened with them. Since the trucking industry as many other industries as well took a nose dive I was forced to shut down operations. Leaving a balance on the credit card. I have agreed once things settle for the company to pay the credit card balance however XXXX has started to report on my personal credit the late payments on the business Credit card. I was registered as a Single Member LLC with the state of IN and as such opened up the credit card for the company. However due to XXXX  constant refusal to report this on the business instead of the personal credit it has caused me much harm in my personal life. I am not able to move my child to a better school as nobody is willing to give me a loan due to this reporting. I have had a very high credit score up until this point. I have never been late on any XXXX of my obligations for any loans or credit cards. I request that XXXX fix this problem and remove it from my personal credit reporting as soon as possible. They have also used threatening language in the phone calls they have made to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: IN

Complaint narrative:
I started a trucking company in XXXX  and opened a business checking account with XXXX for the company. Once I started generating revenue XXXX offered me a business Credit card which I opened with them. Since the trucking industry as many other industries as well took a nose dive I was forced to shut down operations. Leaving a balance on the credit card. I have agreed once things settle for the company to pay the credit card balance however XXXX has started to report on my personal credit the late payments on the business Credit card. I was registered as a Single Member LLC with the state of IN and as such opened up the credit card for the company. However due to XXXX  constant refusal to report this on the business instead of the personal credit it has caused me much harm in my personal life. I am not able to move my child to a better school as nobody is willing to give me a loan due to this reporting. I have had a very high credit score up until this point. I have never been late on any XXXX of my obligations for any loans or credit cards. I request that XXXX fix this problem and remove it from my personal credit reporting as soon as possible. They have also used threatening language in the phone calls they have made to me.

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 2025-01-17 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: Self Financial Inc.
State: SC

Complaint narrative:
Self Financial Lead Bank/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Reporting as Debt # XXXX, XXXX Dear Self Financial Lead Bank/ XXXX XXXX I am writing to formally dispute the reporting of a charge-off ' associated with the above- referenced debt on my consumer report. Upon reviewing the account history and publicly available records, I believe there to be lack of full disclosure via fraudulent concealment which may have aided in an unjust enrichment. 
This transfer of ownership to the trust and selling of the securities raises several concerns regarding the accuracy and legitimacy of the reported charge-off '. 
Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to finance hinderance in my life Specifically, I am disputing the following : 1. Accuracy of Charge-Off Reporting : If my promissory note was securitized this means off - balance - sheet book keeping occurred which may have derecognized Self Financial Lead Bank/ XXXX  XXXX liabilities , removed them from their books and transferred them to Self Financial Lead Bank/XXXX  XXXX who then sold them for profit. So, writing it off as a bad debt/lost and reporting it as a charge off is false reporting, fraud, and embezzlement. 
Validation of Debt : I request detailed, debt-level documentation proving that Self Financial Lead Bank/ XXXX XXXX retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to Self Financial Lead Bank/ XXXX XXXX XXXX evidence of the debts transfer, the balance at the time of transfer, and any agreements validating Self Financial Lead Bank/ XXXX XXXX continued reporting authority for this debt. 
Potential Double Recovery/Unjust enrichment : If the debt was securitized and sold, Self Financial Lead Bank/ XXXX XXXX may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off is false and mislead. 
I request that you investigate this matter thoroughly and provide a written response within 14 Days from receipt of this notice. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX. Failure to address this dispute accurately and promptly will result in additional action in pursuing remedy. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Typically my direct deposits hit a day before payday, it is now payday and my funds have not been released to my account and payment has been confirmed by my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
Lease at XXXX XXXX XXXX XXXXXXXX at covid 19 starts XXXX  the leasing office have send a email to tenents ofering to mive out and they not going to charge for the remaining balance on the lease and i did move out from XXXX XXXXXXXX XXXX XXXXXXXX from XXXX XXXX so after years they add to a collection agency National credit sistem a XXXXXXXX XXXX balance. I have call and dispute but they are very disrespectful also have contact the property management and they said they can not do anything this is a fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a report against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act. 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 was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and Im seeking appropriate action for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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