vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: SC

Complaint narrative:
company is reporting that debt is not paid and the debt is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OK

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 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 2025-01-29 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
Upon checking my credit report I noticed that there is a charge off reporting on my credit report from United Auto Credit Co that I don't have any knowledge of. Unless the account can be verified as my account I am requesting that it please be removed from my credit report. United Auto Credit Co has reported a charge off on my credit report so therefore they need to provide proof. United Auto Credit Co should provide the original contract with my signature on it as well as they should provide a copy of the XXXX since they have written off this debt as a loss and also they need to provide verification of the claimed amount owed. 

Creditor : United Auto Credit Co Open : XX/XX/year> Status : Charge off {$10000.00} written off Balanced reporting owed {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
Im just starting to to be an actual adult in society and I decided I want to get a new car get an apartment so I csign up for experian, and check my score and I see clear identity theft all over my report. Its so many of accounts that I never used opened anything, my identity got stolen I reached out to them several times and nothing works with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. XXXX XXXX XXXX XXXX XXXX XXXX  Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. XXXX XXXX. XXXX ( XXXX ) Communicating false credit information with knowledge of its inaccuracy. XXXX XXXX. XXXX Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). Immediate Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SoLo Funds Inc.
State: LA

Complaint narrative:
Previous complaint XXXX Was not ever resolved I am still waiting for the company to give me my money back. I can not get in touch with anybody. They will not answer emails. You can not call them. Their phone does not work. They have stolen the money. Can you please refer back to the complaint that number that is referenced above.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$1200.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$1000.00} Opened XXXX XXXXXXXX XXXX XXXX  balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  balance {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC

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 2025-01-29 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: IL

Complaint narrative:
Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX card balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$1200.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$1000.00} Opened XXXX XXXX, XXXX XXXX  balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the consumers financial protection act ( CFPA ). specially, Cash app failed to take timely and effective measures to protect in address fraud on their platform. and leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process with unfair and this deceptive as they did not comply with error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NY

Complaint narrative:
FDCPA Violation for Incorrect Address** Your company has repeatedly used the address XXXX XXXX XXXX XXXX ny XXXX for correspondence, which is not my current or former address. This constitutes a violation of the FDCPA in the following ways : a. Failure to Provide Proper Validation Notice Under XXXX XXXX XXXX XXXX XXXX debt collectors must send a written validation notice to the consumers *correct* address within five days of initial communication. By using an incorrect address, you have obstructed my ability to receive this legally mandated notice, violating my right to dispute the debt under XXXXXXXX XXXX XXXX XXXX XXXX  Deceptive or Misleading Representation Using an incorrect address constitutes a false, deceptive, or misleading representation in connection with debt collection, violating FDCPA XXXX. This includes : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : False representation of the debts character, amount, or legal status. 
- XXXX ( XXXX ) : Use of deceptive means to collect or attempt to collect a debt. 

c. Unfair Practices Continuing to use an incorrect address after being notified of its inaccuracy is an **unfair practice** under XXXX XXXX, as it imposes barriers to my ability to exercise my rights. 
3. Demand for Immediate Action To resolve this matter, I demand the following actions within **30 days** of receipt of this letter : 1. **Correct my address** in your records to : 2. **Cease all collection efforts** until you validate the debt as required by law. 
3. **Remove all inaccurate information** related to this debt from my credit reports ( if reported ), per XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. **Confirm in writing** that you have complied with these demands and detail the corrective steps taken.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I recieved a XXXX form from Block , Inc . It stated that we had recieved {$7100.00} in the month of XXXX through cash.app. I never opened a cash.app account, and did not complete these transactions or have any of this money. When I asked cash.app customer support to close the account they said they could not, even though I have the account number and it is linked to my name, address, and social security account. I have since filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
The XXXX credit bureau has mishandled my credit report disputes, which has lead to lower credit scores on my report. The Sham investigations, Inaccurate information, Improper reinsertion of information into my credit files. These unfair practices by XXXX has been going on far too long. I have asked for an Investigation into some of the outdated irrelevant information from the furnishers. These errors should be removed from my credit report ASAP. XXXX has violated FCRA Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MA

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 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
After reviewing my credit report, I noticed several factual inaccuracies ( regarding a few accounts listed ) in the Date Open, Date Lasted Reported, Date Last Active, Date of Last Payment, still reporting a past due amount even though the account says charge off, and just incomplete information. I am writing to dispute the inaccuracies on my recent credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
I was contacted today by Trinity Hope Associates around XXXX by a representative named XXXX XXXX She told me that I have a bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/year>. She told me that I needed to have my attorney contact her to discuss options. I told her I was completely unaware of what was going on or that I had a bill with XXXX XXXX XXXX XXXX. I asked her what exactly was going on and she told me that my Medicaid covered my overnight stay at the hospital but did not cover my XXXX XXXX visit. I told her that I had to make some phone calls to understand more of what was going on. When I called her back she told me that if I do not make a payment by XXXX then the sheriffs department would be getting involved. This is very concerning considering the fact that this is my first notification about this delinquent bill. I should not have a delinquent bill in the first place due to the fact that I have Medicaid. After I made some calls I spoke with XXXX again she was equally as rude during the second interaction and was unwilling to handle the situation in anything other than a threatening manner. As a consumer this type of behavior was unacceptable and an infringement based on the Fair Debt Collection Practices Act. XXXX used abusive and deceptive practices in order to attempt to pressure me into paying a bill that I knew nothing about. This type of behavior is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate, unreliable, misleading, and incomplete information regarding an account furnished by XXXX XXXX, despite more than ten disputes and multiple phone calls. 

Issues with the Reporting of This Account : Incorrect Date of First Delinquency ( DOFD ) The reported DOFD is incorrect, leading to improper re-aging and extending the reporting period beyond what is legally allowed under the Fair Credit Reporting Act ( FCRA ). 
Obsolescence This account has exceeded the legally permitted reporting period and should have already been removed from my credit report. 
Missing Important Information The account is incomplete, lacking critical details necessary for accurate reporting, which makes the entry misleading and unreliable. 
Failure to Correct Disputed Errors I have disputed this account more than ten times, yet TransUnion has repeatedly failed to correct or remove the inaccurate and incomplete information. This demonstrates a willful disregard for FCRA compliance and consumer rights. 
The inaccurate DOFD, improper re-aging, and missing information make this account unreliable and non-compliant with FCRA regulations, which require consumer reporting agencies to ensure accurate, verifiable, and complete information. XXXX failure to address this issue after repeated disputes has caused continued harm to my credit standing.

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 2025-01-29 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: CT

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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