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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX SS # XXXX XXXX : Dispute of inaccurate information on Credit Report ; Dear Sir/Madam , I'm writing in regard to multiple inaccurate information on my credit report, as prepared by your agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, in which you are required to correct or remove all erroneous data. 
I have enclosed copies of the inaccurate accounts, with circled inaccursies, I ask that these accounts be removed as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Closed Monthly Payment : {$0.00} {$0.00} {$58.00} Date Opened : XXXX XXXX XXXX Balance : {$3700.00} {$3700.00} {$3700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3700.00} {$0.00} {$3500.00} Credit Limit : {$3500.00} {$3500.00} {$0.00} Past Due : {$3700.00} {$3700.00} {$390.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX  Two-Year payment history Legend Month 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  TransUnion XXXXXXXX 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX SS # XXXX XXXX : Dispute of inaccurate information on Credit Report ; Dear Sir/Madam , I'm writing in regard to multiple inaccurate information on my credit report, as prepared by your agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, in which you are required to correct or remove all erroneous data. 
I have enclosed copies of the inaccurate accounts, with circled inaccursies, I ask that these accounts be removed as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Closed Monthly Payment : {$0.00} {$0.00} {$58.00} Date Opened : XXXX XXXX XXXX Balance : {$3700.00} {$3700.00} {$3700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3700.00} {$0.00} {$3500.00} Credit Limit : {$3500.00} {$3500.00} {$0.00} Past Due : {$3700.00} {$3700.00} {$390.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXX Two-Year payment history Legend Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX

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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Late Payments Reported by Bridgecrest ( formerly XXXX ) To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate reporting of late payments on my credit reports by Bridgecrest ( formerly XXXX ), which has been negatively impacting my credit scores across XXXX, XXXX, and XXXX. My name is XXXX XXXX, and I have been a responsible customer of Bridgecrest, yet the negative information regarding late payments is affecting my livelihood, financial stability, and ability to make important decisions regarding housing, employment, and personal credit. 

These late payments, as reported, are not an accurate reflection of my payment history. I believe they are either incorrectly reported or a result of errors on the part of Bridgecrest. The repercussions of this inaccurate reporting have caused significant financial strain, as my credit score has been lowered and my ability to access credit has been severely hindered. This situation is causing undue hardship in various aspects of my life, including increased interest rates on loans and the potential denial of critical financial products or services. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit reports, and if the information can not be verified, it must be removed. Specifically, Section 609 of the FCRA provides me the right to request information on the sources of the reported late payments, and if this information is not verifiable, it must be corrected or deleted. Additionally, Section 605 of the FCRA outlines that negative information, such as late payments, must not remain on my credit report longer than seven years.

Furthermore, the Equal Credit Opportunity Act ( ECOA ) ensures that credit reporting must be accurate and non-discriminatory, and that any negative marks that may have been improperly reported or inaccurately recorded must be rectified. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in the removal of the inaccurate late payment reports from my credit history. The continued reporting of these late payments is damaging my ability to maintain my financial wellbeing, and it is critical that these inaccuracies be addressed promptly to restore fairness to my credit profile. 

I am requesting that the late payments reported by Bridgecrest ( formerly XXXX ) be reviewed and removed from my credit reports, in compliance with the FCRA and other applicable laws. I also request written confirmation of the investigation and the steps being taken to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint back in XXXX XXXX  and XXXX, XXXX, and Transunion did not delete the items from my 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a complaint back in XXXX XXXX  and XXXX, Equifax, and XXXX did not delete the items from my report.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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: MD

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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year> I had request a refund for a transaction that wasnt approved by me nfcu failed to investigate and made me pay back the loan they gave me for rhe dispute. Im also being charged ridiculous amount for overdraft and money transfer

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: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i opened a 360 savings account with capital one i was advised its in my best interest so I didn't nothing good has happen

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: AR

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 2025-01-21 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: FL

Complaint narrative:
On XX/XX/year>, the account was paid off and closed with XXXX XXXX. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with XXXX, Transunion, and XXXX. The pay off amount was paid in the amount XXXX on XX/XX/year>.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, the account was paid off and closed with XXXX XXXX. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with XXXX, XXXX, and Equifax. The pay off amount was paid in the amount XXXX on XX/XX/year>.

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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/, the account was paid off and closed with XXXX XXXX. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with Experian, XXXX, and XXXX. The pay off amount was paid in the amount XXXX on XX/XX/.

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: 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: TN

Complaint narrative:
I am writing to dispute the following fraudulent account on XXXX and Transunion the FCRA. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX I am requesting this account be removed immediately under the FCRA XXXX specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). As per Law 605 B, this fraudulent account should be removed from my credit reports. XXXX XXXX has been sued by the CFPB ( case name ) " Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX '' ) The lawsuit highlights XXXXXXXX XXXX failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. It is very important that your company address this matter. I am requesting a prompt investigation of this matte and the removal of this account as mandated by the FCRA. 

Furthermore, As of XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) The ruled that Medical Debt will no longer report on consumer credit reports. CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. The rule will increase privacy protections and prevent debt collectors from using the credit reporting system to coerce people to pay bills they dont owe.

PLEASE CONDUCT A PROPER INVESTIGATION AND REMOVE THE MEDICAL COLLECTION 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 2025-01-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Transunion is correctly reporting my XXXXXXXX XXXX XXXX as well as the correct credit limit of {$2500.00}. XXXX and XXXX, however fail to report this credit card account as well as the correct credit limit. 

The credit card account was opened XX/XX/XXXX. The minimum monthly payment is {$51.00}. It is still open and actively reporting, where as the last report was XX/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 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I can not login my Coinbase account because it keeps requiring XXXX text to my old number and have tried to resolve ths with support numerous times and theyve continuously lead me in a big circle and Im fed up with this I just want access to my account to get my funds.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation