vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: NY

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.

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 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 2025-01-24 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: NY

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.

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 2025-01-24 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: NC

Complaint narrative:
XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/year> and responded on XX/XX/year>, XXXX  XXXX XXXX and Equifax has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity.

Thank you for your time and attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized items on my credit report and request their immediate removal. Upon reviewing my credit report, I noticed several entries that I believe are inaccurate and have not been authorized by me. These entries are negatively impacting my credit score, and I am seeking your assistance in resolving this matter promptly.

The unauthorized items are listed as follows : List below I have not applied for credit with these creditors nor authorized any transactions that would have resulted in these accounts. As required by law, I request that these unauthorized items be thoroughly investigated, removed from my credit report, and corrected immediately.

I have attached relevant documentation supporting my claim, including any correspondences or evidence that demonstrate that these items were reported in error.

Please confirm receipt of this complaint and provide an update on the status of my request as soon as possible. Should you need any further information, do not hesitate to contact me at the phone number or email listed above.

Thank you for your prompt attention to this matter.

Sincerely,

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against cashap ( 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 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs 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. 

These are the accounts Ive marked as inaccurate : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  Balance : {$770.00} XXXX XXXX Status : Account charged off, {$3600.00} written off XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX  Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX  Balance : {$5400.00}

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
i am filing a complaint against Cash app ( block, NC ) 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Was sold to XXXX. My Id does not match up with the id used to open the loan and the address used to open the loan is not mines as well.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
This letter serves as a formal demand for you to immediately cease and desist all attempts to collect a debt from me within the state of Louisiana, as ProCollect , Inc. is not licensed to collect debts in Louisiana, per the states licensing requirements. I have confirmed through the NMLS ( Nationwide Multistate Licensing System ) under state license management that ProCollect, Inc. does not hold the required license to collect debts in Louisiana. 

Despite my repeated attempts to resolve this matter, you continue to disregard my requests and persist in reporting this account to the credit bureaus monthly as delinquent. Your actions are a blatant violation of Louisiana state laws regarding debt collection licensing and the Fair Credit Reporting Act ( FCRA ). Under these laws, your collection activities are illegal and constitute harassment. 

I demand the following actions be taken immediately : 1. Complete Deletion of This Account : Remove this account from my credit reports with all credit reporting agencies.

2. Immediate Cessation of All Collection Attempts : Cease all contact regarding this account, including letters, calls, and reporting to credit bureaus.

Failure to comply with this demand will leave me no choice but to escalate this matter. I will file formal complaints with the Louisiana Office of Financial Institutions, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). Furthermore, I reserve the right to pursue legal action against ProCollect, Inc. for violating Louisiana debt collection licensing laws and the FCRA. 

For your reference, I have enclosed proof from the NMLS website confirming that ProCollect, Inc. is not licensed to operate in Louisiana. Your lack of licensure invalidates your authority to collect on this account, and I expect this issue to be resolved without delay. 

Please confirm receipt of this letter and notify me in writing of the actions you have taken to resolve this matter. If I do not receive confirmation within 15 days, I will proceed with the aforementioned actions. 

Account Name : PROCOLLECT , INC | 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 explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have asked to have XXXX  XXXX removed from my credit report. This loan is in the forgiving stages and previous to that was in the save act remove this from report. It also states payment summary incorrectly and states last payment was XX/XX/year> should be blank! payment summary is incorrect and last payment is wrong this is causing me great harm. Remove this from my account or I will sue. All 3 bureaus need to be prosecuted for this great harm it is doing to my credit. I have proof from the state that reflects it is being forgiven no payments due. Remove this immediately while you work on obtaining the records needed. I have requested this multiple times. And experian XXXX  and XXXX have failed to do their job! I also request a signed letter that I was asked of it was OK with me for this to be reported on my credit report by law I was supposed to consent. I do not give co sent for this installment loan to be on my credit report! I do not give permission.

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 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a payment of {$570.00} to my chase auto loan on XX/XX/year>. 

they took an extra 2 payments that are due in XXXX and XXXX totaling {$1100.00} on a phone call they advised me that it will be processed in two weeks and they will SEND ME A CHECK. I specifically asked them to refund it to my bank account, but they refuse to do so. 
from now on, I am sending them a paper check every month. 

I will not give them a chance to take my money from my checking account without my authorization. I simply do NOT TRUST THEM ANYMORE> I AM VERY DISAPOINTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
This morning, I requested Golden 1 Credit Union to cancel my application. Ive decided to go with a local credit union instead. This has been the most frustrating experience Ive ever had trying to open an account. Despite uploading all the required documents, theyre claiming they didnt receive my SSNeven though I know I submitted it. The difficulty Ive encountered during this process is unacceptable. Moreover, Im deeply concerned about where my documents ended up after uploading them. Their claim of not receiving my SSN raises serious questions about their practices and the security of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The day that my credit score was impacted, I called XXXX to dispute the charge. They instructed me to call Transworld systems. Inc. I called Transworld systems Inc. and requested proof. I requested all of my bills from XXXX and they said they would send them and have never sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, XXXX XXXX and Transunion has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-01-24 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred throughout the XXXX  years Ive had it. 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to 15 USC 1681i, a consumer reporting agency shall provide to a consumer a description of the procedure used to determine the accuracy of the information if requested.

The law states that the consumer reporting agencies have 15 days to respond to this request.

I disputed 2 accounts with Experian ( XXXX XXXX XXXX and XXXX XXXX ) and the accounts were reinvestigated and came back verified as accurate. I was not happy with the results of the reinvestigation because the errors are still on my credit report. The date of last payment is still reporting inaccurately on my credit reports even after their reinvestigation. If the information comes from the same source why is the date of last payment different on Experian, XXXX and XXXX? 

I sent a letter to Experian on XX/XX/XXXX asking them to give me the method they used to verify the account as accurate. I have a tracking number that proves that the letter was delivered to them. Today is XX/XX/XXXX and Experian still has not responded to my request at all. They have not responded in the required timeframe of 15 days and that means they are not complying with the law. 

The information on my credit report is suppose to be accurate. 15 USC 1681e ( b ) states that a consumer reporting agency shall follow reasonable procedures to assure maximum accuracy of the information. 

This shows that Experian has not taken reasonable procedures to assure accuracy of this information. 

I am submitting this complaint to hold them accountable. I want these 2 inaccurate accounts removed from my credit report immediately! 

I attached a snapshot of my credit report with the errors circled. I have also attached a copy of the letter that was sent to Experian on XX/XX/XXXX along with the tracking number that proves it was delivered.

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 2025-01-24 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 proces 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