vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
I am writing to dispute the reporting of a XXXX XXXX XXXX Credit card account on my personal credit report. This account was strictly a business account associated with my now-dissolved business, XXXX XXXX XXXX XXXX XXXX and as such should not be reflected on my personal credit file. 

I am filing this complaint against a Consumer Reporting Agency ( CRA ) for failing to address my formal dispute regarding inaccurate items on my credit report. The inaccuracies I disputed were potentially caused by mishandled personal data during known data breaches. 

FCRA Law 1681s-2 ( a ) the account is a business account and not personal therefore, it should not appear on my personal credit report FCRA Law 1681s-2 ( a ) ( 2 ) - They have the duty to correct inaccurate information, since the business account is being incorrectly reported on your personal credit report, they have the duty to investigate and correct this error which they have failed to do so after being notified of the inaccuracy

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 proce 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 2025-01-21 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: NC

Complaint narrative:
Dear Experian, I am writing to formally dispute several items in my Experian credit report and to request an immediate investigation into these issues. I have discovered multiple discrepancies in my report, including unauthorized hard inquiries, incorrect addresses, and collection accounts that I believe violate the Fair Credit Reporting Act ( FCRA ).

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 2025-01-21 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 filling 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 2025-01-21 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: World Acceptance Corporation
State: TX

Complaint narrative:
The issue is my late payments are being reported XXXX XXXX XXXX by World Finance Corporation , but Congress advises that this information is private since its considered to be transactions and experiences between me and you as the financial institution that issued the credit, which is stated in the Exclusions of 15 U.S. Code 1681a - Definitions ; rules of construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
On XXXX XX/XX/year>, I attempted to add XXXX to my SoFi account ( checking and savings ). Shortly after, SoFi put my account in a restricted state with this message : " Account restricted Your account is currently restricted. Please reach out to us as soon as you can for more information at ( XXXX ) XXXX. '' I've called that number XXXX or XXXX times and spoken with different people. I get no help. They say they can't give me a timeline for when my account will return online. I asked them what was suspicious, and they won't talk to me about it. They are holding $ XXXX of my money hostage. I just want my money out of their accounts, to close the accounts, and not deal with them anymore. 

On the last call, they threatened to keep my money because my wife made a deposit into our joint account, which they now claim is a violation of terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

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 finding 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 2025-01-21 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: TX

Complaint narrative:
I am filing this complaint because XXXX has refused to remove inaccurate items from my credit report despite my repeated requests, proper verification of my identity, and compliance with all required procedures. The disputed items are linked to a report I filed with the FTC for identity theft. Despite providing XXXX with proper documentation and requesting the original documents bearing my wet ink signature, XXXX has failed to deliver the requested documents or adequately verify the debt as required under the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint to XXXX around XXXX of 2024, in response to which XXXX only provided a statement of charges but did not supply the original signed agreements for the alleged debts. These items are not recognized by me and may have been tied to personal information exposed in the widely reported XXXX and XXXX XXXX XXXX data breaches. 

This situation violates my rights under the FCRA, specifically : Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation when a dispute is raised regarding the accuracy of information.

Section 609 ( a ) ( 1 ), which provides consumers the right to access all information on file related to them.

Section 605B, which requires credit bureaus to block disputed items resulting from identity theft within four business days upon receiving proof of identity theft, including an FTC Identity Theft Report. 

XXXX refusal to act in accordance with these laws constitutes a failure to fulfill their obligations. Additionally, Experians lack of genuine investigation aligns with ongoing complaints against them, as demonstrated by the CFPBs recent lawsuit against XXXX for inadequate dispute investigations. 

I am requesting that XXXX remove these inaccuracies from my credit report immediatelyno later than four business daysper the timeline set forth in FCRA Section 605B. This situation has been ongoing for far too long, negatively impacting my financial health and trust in XXXX practices. 

Failure to address these inaccuracies promptly reflects poorly on XXXX adherence to federal consumer protection laws and reinforces patterns of negligence that already make them the subject of regulatory action.

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 2025-01-21 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: TX

Complaint narrative:
I am filing this complaint because XXXX has refused to remove inaccurate items from my credit report despite my repeated requests, proper verification of my identity, and compliance with all required procedures. The disputed items are linked to a report I filed with the FTC for identity theft. Despite providing XXXX with proper documentation and requesting the original documents bearing my wet ink signature, XXXX has failed to deliver the requested documents or adequately verify the debt as required under the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint to XXXX around XXXX of 2024, in response to which XXXX only provided a statement of charges but did not supply the original signed agreements for the alleged debts. These items are not recognized by me and may have been tied to personal information exposed in the widely reported XXXX and XXXX XXXX XXXX data breaches. 
This situation violates my rights under the FCRA, specifically : Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation when a dispute is raised regarding the accuracy of information.

Section 609 ( a ) ( 1 ), which provides consumers the right to access all information on file related to them.

Section 605B, which requires credit bureaus to block disputed items resulting from identity theft within four business days upon receiving proof of identity theft, including an FTC Identity Theft Report. 

XXXX refusal to act in accordance with these laws constitutes a failure to fulfill their obligations. Additionally, Experians lack of genuine investigation aligns with ongoing complaints against them, as demonstrated by the CFPBs recent lawsuit against XXXX for inadequate dispute investigations. 

I am requesting that XXXX remove these inaccuracies from my credit report immediatelyno later than XXXX business daysper the timeline set forth in FCRA Section 605B. This situation has been ongoing for far too long, negatively impacting my financial health and trust in XXXX practices. 

Failure to address these inaccuracies promptly reflects poorly on XXXX adherence to federal consumer protection laws and reinforces patterns of negligence that already make them the subject of regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer FinancialProtection Act ( CFPA ). Specifically, Cash App failed to take timely and effectivemeasures to prevent and address fraud on their platform, leaving my account vulnerable andunprotected. Furthermore, their dispute resolutionprocess was unfair and deceptive, as they did not comply with error resolutionrequirementsunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financialloss, and I seek appropriateredress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: V and H Portfolio
State: TX

Complaint narrative:
Vance & Huffman LLC has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. Vance & Huffman LLC began accessing my consumer report on June 2022-January 2025 for an amount of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
XX/XX/XXXX - overdraft fee {$29.00} XX/XX/XXXX and XXXX, XXXX overdraft fee total {$58.00} XX/XX/XXXX overdraft fee total {$58.00} XX/XX/XXXX overdraft fee total {$87.00} XX/XX/XXXX overdraft fee {$29.00} XX/XX/XXXX overdraft fee {$29.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section XXXX ( XXXX U.S.C. Section XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX {$970.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX {$1600.00}, XXXX XXXX {$1600.00}, XXXX XXXX {$3000.00}, XXXX {$730.00}, XXXX XXXX XXXX, XXXX {$480.00}, XXXX XXXX {$250.00}, XXXX {$310.00}, XXXX XXXX {$470.00}, XXXX XXXX {$630.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-21 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: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. ALSO SOME OLD ACCOUNTS CAME BACK ON THE REPORT AFTER A YEAR THAT IS FRAUDULENT I HAVE NO PROOF OF WRITTEN CONSENT THAT THE CREDIT BELONGS TO ME : I WILL SUE COMPANIES FOR ILLEGAL ACT! 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

XXXX USC XXXX Section XXXX States I have the right to privacy. 

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

XXXX USC XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
The issue is my late payments are being reported XXXX XXXX-XXXX XXXX by Possible Financial Inc , but Congress advises that this information is private since its considered to be transactions and experiences between me and you as the financial institution that issued the credit, which is stated in the Exclusions of XXXX U.S. CXXXXe XXXXa - Definitions ; rules of construction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation