vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2025-02-02 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: CA

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 non-monetary relief
Consumer complaint received 2025-02-02 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: CA

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
Well there was a few times I requested refunds and was told I should receive with 7 to 10 business, and never received it. After a while I just stopped reaching realizing I wasn't going to get my refund back.

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

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) - According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

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 2025-02-02 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: SC

Complaint narrative:
In XXXX of XXXX  i requested credit report from Equifax. When I got the credit report, I noticed that there were some late payments on my credit file on a few accounts. As we all know, this is a clear violation of, 15 usc 1681b, LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Do they have lawful authority to do so, nor did they have written instructions from me to place this on my credit report. 15 usc 1682 a115 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. There for there a payment history should not be reported. No transaction, no payment history, when a creditor is reporting a payment as late they are reporting the XXXX  between them and the consumer. There can not be a payment history without transactions. So how can a creditor or a credit reporting agency say that you have a late payment when the transaction and the experiences are excluded from your credit report? The reporting of information that is excluded from the consumer report is considered fraud. There is only one time that a payment can be considered as late and certain conditions have to be met. So if Equifax stating that they have verified the late payment, they must have the proof to show it. I have requested this proof and I have got nothing. 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. If apple facts is going to furnish the information, then they must have the proof I have requested this proof and again all I get is verified. I ask for validation and got nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I bank with Navy Federal and receive military pension from the XXXX XXXX XXXX  The military has two release dates. For XXXX the early release date is XX/XX/year>. 

I called on XX/XX/year> and was told the deposit is set for the early release date of XX/XX/XXXX and would post after midnight. 

There was no deposit on XX/XX/year>. 

I called on XX/XX/XXXX and was told by someone named XXXX that any account that had over draft protection Navy federal has a policy that Military deposits with overdrawn will not post on the military early release date. 

To delay those deposits means millions of overdraft and returned items all item fees for Navy Federal. 

Per XXXX he could do a manual release but the customer has to request it. I requested it and per XXXX the XXXX XXXX does not qualify for early release if the account is overdrawn but he could release my XXXX XXXX pension. 

None of this makes sense because releasing that Military deposit would bring the account current. They offer overdraft protection but penalize the customer for using it by automatically blocking Military Early release deposits. 

Navy federal policy allows them to collect millions of overdraft and returned item fees. 

Ive had that deposit for years. How can this be legal. 

An audit is needed cause they owe me for all those fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
XXXX XXXX XXXX had marked my loan payment as late. There policy is you can be 30 days late until ur marked as a late payment and it affects your credit. My payment was due XX/XX/year>. I paid a few days before the XX/XX/year>. I called to make the payment. The lady on the phone told me to pay online and was certain it would not affect my credit. So I paid online, she did not tell me it would take three days for payment to post. Since I was told to pay online, the payment didnt initially post until a few days later which was XXXX.it affected my credit. I was given the wrong information. I need this late payment fixed. Thanks..

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 2025-02-02 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: TX

Complaint narrative:
XXXX XXXX XXXX had marked my loan payment as late. There policy is you can be 30 days late until ur marked as a late payment and it affects your credit. My payment was due XX/XX/year>. I paid a few days before the XX/XX/year>. I called to make the payment. The lady on the phone told me to pay online and was certain it would not affect my credit. So I paid online, she did not tell me it would take three days for payment to post. Since I was told to pay online, the payment didnt initially post until a few days later which was XXXX.it affected my credit. I was given the wrong information. I need this late payment fixed. Thanks..

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

Complaint narrative:
XXXX XXXX XXXX had marked my loan payment as late. There policy is you can be 30 days late until ur marked as a late payment and it affects your credit. My payment was due XX/XX/year>. I paid a few days before the XX/XX/year>. I called to make the payment. The lady on the phone told me to pay online and was certain it would not affect my credit. So I paid online, she did not tell me it would take three days for payment to post. Since I was told to pay online, the payment didnt initially post until a few days later which was XXXX affected my credit. I was given the wrong information. I need this late payment fixed. Thanks..

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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Certainly! Below is a sample letter you can send to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate account information from Resurgent Receivables LLC. It cites both the Fair Credit Reporting Act ( FCRA ) and the 605b law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, D.C. XXXX Subject : Dispute of Inaccurate Account Information Resurgent Receivables LLC Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report that I have no knowledge of and have never had any business dealings with. The account in question is reported under the name Resurgent Receivables LLC. I request that you investigate and remove this entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ) and Section 605B of the FCRA. 

Under Section 1681b of the FCRA, I am entitled to a fair and accurate credit report. I believe that this item is incorrect and appears to be fraudulent or a result of erroneous reporting. As per Section 605B, if any information on my credit report is found to be fraudulent, it must be blocked from my record. I have not entered into any agreement with Resurgent Receivables LLC, nor have I ever been notified of any such debt.

I respectfully request that you investigate this matter and ensure that the incorrect account is blocked and removed from my credit report as soon as possible. Please confirm in writing once this has been addressed. 

I am attaching a copy of my credit report highlighting the disputed account for your reference. Should you require any further information from me to assist with your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX ss number XXXX dob XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 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 2025-02-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act government, account # XXXX JPMCB CARD, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : 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 2025-02-02 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To Whom it may concern! 

I have disputed these item since XXXX I have seen where the disputes have been taken off for a month and then put back on my credit report. I have seen multiple inquiries that have been ran under my social security number the last time that I applied for credit was in XXXX. These error have basically destroyed my life I have been a product of 9 data breaches starting the later part of XXXX until current. Every day I get a letter from a company that the data has been hacked. I have asked multiple times for the original contracts on all of these account but have not received one to date. I have gotten things from address that I never lived at the only address you should have is the one listed on my credit report stating with XXXX XXXX XXXX Could you all finally due your job and thoroughly investigate these disputes.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-02 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: PA

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 removedremoved disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have had multiple issues with cash app to include my account being locked up and unable to access the account. I tried for years to resolve but was not successful in reaching anyone to resolve the issues. Money was withdrawn out of my account and unable to use banking or balance in XXXX. 

I was forced to stop using cash app due to inability to resolve or get to speak with a representative for cash app.

Company response to consumer: Closed with explanation