vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. 

I am requesting that youimmediately block and delete the fraudulent informationon my credit file within4 daysof receiving this letter. Upon reviewing my credit file, I found several accounts that do not relate to any transactions I have made, and I am certain they are the result of identity theft.

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: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Back on XX/XX/year> I called Synchrony Bank and spoke with a lady representative who took the call from the XXXX. I told her I wanted the account payoff balance with interest included thru today 's date. I told her I see the balance on the statement, but I knew there would be interest accruing and I wanted the correct payoff amount to close this account. She placed me on a brief hold and came back and gave me a payoff amount of {$1200.00}. I told her thank you and hung up the phone. I immediately paid this payoff amount balance in full on my phone app. In XXXX I got alerted that my credit score had gone done by XXXX points and my credit had an adverse reporting. I pulled my credit report and saw that Synchrony Bank stated that I owed them {$20.00} dollars. I called immediately and found out that the representative did not calculate the interest correctly on the payoff amount. I paid off the {$24.00}. I explained to a representative I had no idea anything was due on my account because I paid the account balance in full according to the representative. He stated he understood, and he would get a letter out to the bureaus to correct the matter. A month passed and I did not see any changes to my credit. I called Synchrony Bank again. The next agent said they could not, when I inquired about the letter not being reported. He stated they were not willing to change the error despite the incorrect payoff balance. He stated that it was not the representative fault even though she gave me the payoff balance with interest included thru that day. He stated I should have calculated the amount to be sure. I was shocked by his comments. I advised him that I was the customer who expect a level of competence by a representative whose an agent for the company. My credit has been greatly affected by their error, and I demand that it be corrected to reflect that I did not make any late payment on XX/XX/year>, and this was a clear and mistakable error. 
I have never made a late payment. I had this account for over 24 months and have never had a 30-day late payment. 

I have been a loyal customer to Synchrony Bank and their treatment of this matter is disheartening and incorrect.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My information was exposed in a data breach. These accounts do not belong to me XXXX XXXX Bal- {$5600.00}, date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Bal- {$440.00}, date opened : XX/XX/XXXXXXXX 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 2025-01-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
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 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-28 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed a complaint about your company XXXX 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. XXXX 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 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: TX

Complaint narrative:
On XX/XX/year>, I filed a complaint about your company XXXX 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. XXXX 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 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/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 2025-01-28 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: NJ

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 XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: SC

Complaint narrative:
I am filing this dispute to address the non-compliance of XXXX with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying TransUnion via a phone call on XX/XX/XXXX of the recent CFPB rule, their customer service agent refused to remove the medical debt item from my credit report. which is not compliant with the current rule nor sufficient to resolve the issue. Requested supervisor was advised on will contact me in XXXX business days. 
The medical debt in question is as follows : Collection Agency : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : Last four digits for privacy : XXXX Amount Owed : {$2200.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed. 
Enclosures : 1. Documentation of Medical Debt ( Attached Screenshot ) 2. Copy of Credit Report Indicating the Disputed Item

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( a ) 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1681a ( 2 ) i ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802b ( 1 ) ( b ) - Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I want my late payments to be updated and removed on my credit report across all 3 Bureaus. Here is the account below XXXX XXXX  Account number 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( a ) 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681a ( 2 ) i ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802b ( 1 ) ( b ) - Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I want my late payments to be updated and removed on my credit report across all 3 Bureaus. Here is the account below XXXX XXXX  Account number XXXX

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally report a data breach involving all three major credit bureausEquifax, XXXX, and XXXX has directly affected me. As a result of this breach, my personal and financial information has been exposed, putting me at significant risk for identity theft and fraud. Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and secure information regarding consumers, and this breach constitutes a failure to uphold these obligations. I request that the FTC investigate this matter and take appropriate action to ensure my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
CRDMGMCOMP ( XXXX XXXX XXXX XXXX XXXX ). THIS IS NOT MY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
My wallet and cell phone were stolen when I was visiting XXXX XXXX, Nevada on XXXX XXXX. On XX/XX/year>, I called Discover card to report my card stolen. Since then, Discover card has made " their own investigation " and the outcome was that there was no fraud done on my credit. Now this company is holding me responsible for these charges. There was a charge on XX/XX/year> at a XXXX XXXX store on XXXX XXXX XXXX for the amount of {$1900.00}, another at a XXXX XXXX store for {$3200.00}, and one at a XXXX store also in XXXX XXXX for {$17.00}. 
This company has not provided any reason for these charges to be valid. All they did was come to a sudden conclusion that there was no fraud and placed the charges back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 hope this letter finds you well. I am writing to express my concern regarding overdraft fees that have been charged to my account over the past several years. I have been a loyal member of Navy Federal Credit Union for over 20 years, and I have always held the credit union in high regard. However, I feel that I have been unlawfully charged overdraft fees on my account, and I am requesting a review of these charges. 
As a longstanding member, I have always made an effort to manage my account responsibly, but I believe that these overdraft fees were applied incorrectly or without proper notice. I request that a thorough review be conducted, and that at least the past 48 months ' worth of overdraft fees be refunded to my account as a courtesy. 
I kindly ask for your assistance in resolving this matter in a fair and equitable manner. I would greatly appreciate your prompt attention to this request and look forward to hearing from you regarding the next steps. 

Thank you for your understanding and consideration of my request. Please feel free to contact me at ( XXXX ) XXXX or XXXX if further information is needed. 

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a checking account with TD bank. They closed the account because of suspicious fraudulent activity. It has been over 1 year since they closed my account and I have yet to received the funds that were in my account. I went to a branch recently and they informed me that because of the suspected fraudulent activity, the last check deposited into my account was returned. Therefore, there is no money in my account. That was a little bit more than XXXX in the account, that I have no idea where it has gone and they are refusing the give me back.

Company response to consumer: Closed with explanation