vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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 2025-02-09 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: IL

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 2025-02-09 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: NV

Complaint narrative:
I was denied a home loan, so I contacted Equifax, and that's when I found out that my SSI number XXXX and previous last name XXXX were in their data breach. My name, XXXX, was restored when my divorce was final on XX/XX/XXXX. I don't use the name XXXX. However, New accounts were open to addresses I didnt live at, and current credit card accounts were changed, so I had to close them. I would pay the bill, and someone else was making charges. It was so out of hand I had to close cards I had for over 6-8 years. Not to mention, a judgement for an eviction was fraudulently committed while I was a member of TransUnion, Equifax, and Experian identity theft and credit monitor program. I have disputed this several times. Equifax and Experian have placed a fraud alert on my credit file but have not removed the fraud nor helped me in any way to repair a problem they caused. They had me speak to the legal Department that is handling those who were affected. I submitted the letter of the breach and told her that I didnt receive it until 8 months after the deadline. She informed me all they can do is pay for credit repair and credit monitor service. To this day, they still have not provided any support. I have been paying out of my pocket for credit repair Services, and Experian refused to give me a copy of my credit report. I have owned my own home since XXXX, I have never had an eviction, and as a XXXX, I have been denied employment and a home loan because of this breach. I have an FTC report ; I am following my repair steps and trying to get my life back. Please see to it that the credit bureau does their part. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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:
Was a Victim Of Identity Theft. 
Involved in ( 3 ) Data Breaches year ( XXXX ), ( XXXX ), ( XXXX ) Please check the information concerning the Experian Data Breach below in attachments.

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 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
I was a member of XXXX XXXX XXXX through XXXX, and then in XXXX of XXXX I requested my membership be cancelled at the front desk, which they told me was completed. My debit card continued to be charged by the XXXXXXXX XXXX XXXX in XXXX and XXXX, so I went to the gym to alert them of the mistake and request a refund. 

The staff at the desk apologized, told me it would not happen again and confirmed my account was now officially cancelled. They also told me they could not process a refund due to issues with their card system, so I would need to dispute the charges with my bank. 

Elements then attempted to charge my card again in XXXX which declined for insufficient funds. I called the gym to request they remove my card information from their system since they could not ensure no more charges would be made, at which point they told me it was removed and I no longer have any cards on file with them. 

XXXX XX/XX/XXXX XXXX XXXX XXXX closed their gyms permanently with insufficient notice for members and employees, and transferred all member accounts to their new gym called " XXXX XXXX '' about XXXX miles away. 

My card was then charged twice on XX/XX/XXXX totaling about {$170.00}, which they claim was owed for XXXX and XXXX dues and included a late fee for those months. I disputed the charges with my bank, and was refunded for the XX/XX/XXXX charge. I also called XXXX XXXX to speak to a manager about the ongoing charges, and the staff gave me an email address to contact regarding the issue. I contacted the email and received no response. 

XXXX XXXX then charged my debit card again on XX/XX/XXXX for the same amount charged in XXXX, causing me to dispute the charges again as well as completely cancel my debit card to avoid more fraudulent transactions. 

After many months of attempting to get a response from this business to fix the billing issues, I received a notice of collections from Aldous & Associates law firm on behalf of XXXX XXXX in the amount of {$360.00}, which is now negatively impacting my credit report. 

I've requested that this collection be removed from my credit report many times with no meaningful responses or cooperation, and I simply want this to stop effecting my credit score. 

Elements seems to have a reputation for fraudulently charging the cards of their members, documented in their poor online reviews from customers with similar stories, and they've brought that reputation with them in their rebrand to XXXX XXXX. I've seen so many stories similar to mine that this could possibly turn into a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
Cashapp didn't have any live agents and refused to honor disputes that were not done on my behalf nor gave me a way to dispute them. They refused to contact me or file a dispute as my rights are supposed to allow me to do for fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account Number : 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, states a consumer reporting agency can not furnish an account without written instrutions.

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 items of information, other than records of convictions and crimes which antedates the report 7 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. 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiries appearing on my credit report and to seek monetary damages for the financial and reputational harm caused by these violations. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, I have the right to dispute any unauthorized inquiries and seek compensation for any harm resulting from these violations.

Disputed Unauthorized Credit Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I ve tried to re enroll in the program because they said they didnt have my paper work from when I sign up in XXXX. However I made several payment but those payment went to another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-02-09 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 a victim of identity fraud theft, and I have sent over all the requested supportive documents 3x and can't seem to understand why I have not gotten any type of results as of yet the first attempt was in XXXX  can someone look to see the history of my complaints and address this matter ASAP please I will also send over supportive docs again with this complaint but in the pass communications would have even more supportive docs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report one fraudulent account and multiple fraudulent inquiries appearing on my ChexSystem credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I demand that these items be removed from my consumer credit report within 4 days of reciept pursuant to my rights within the FCRA and FDCPA laws. The unauthorized inquiries include XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, CITIZENS FINANCIAL BANK on XX/XX/XXXX, XXXX BANK on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX ( On Behalf Of XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX ( On Behalf Of XXXX XXXX XXXX ) on XX/XX/XXXX, ( A Part of XXXX ) ( On Behalf Of XXXX XXXX on XX/XX/XXXX, ( On Behalf Of XXXX XXXX  ) on XX/XX/XXXX, ( On Behalf Of XXXX XXXX XXXX  ) on XX/XX/XXXX, ( On Behalf Of XXXX XXXX XXXX XXXX  on XX/XX/XXXX, and ( On Behalf Of XXXX  ) on 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Student Loan infor
mation : Dept of Education/ Nelnet XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
Transunion was supposed to remove an inquiry from my credit report. I provided proof that the inquiry should not be there. 
XXXX told me I had to tell TransUnion to remove it. The card was on due to fraud and closed due to fraud.

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 2025-02-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
I am writing to request a review and correction of my credit report due to discrepancies I have identified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am filing this FTC identity theft affidavit to report two separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in damaging my consumer reports status and credit score appearing on FICO. This identity theft violates section 609 law whereby they can not provide the original document that initiated the contract with my wet ink signature to validate its accuracy. I assert that the aforementioned fraudulent items under account numbers XXXX and XXXX student loan accounts be removed from each of my consumer reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FTCP laws. This CFPB complaint has been filed to request to FCRA ss. 605 ( b ) or 15 U.S.C. ss.1681 ( c ) ( 2 ) that you, the TransUnion credit report agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. Also I have filed a FTC identity theft criminal complaint 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 2025-02-09 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 this FTC identity theft affidavit to report two separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in damaging my consumer reports status and credit score appearing on FICO. This identity theft violates section 609 law whereby they can not provide the original document that initiated the contract with my wet ink signature to validate its accuracy. I assert that the aforementioned fraudulent items under account numbers XXXX and XXXX student loan accounts be removed from each of my consumer reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FTCP laws. This CFPB complaint has been filed to request to FCRA ss. 605 ( b ) or 15 U.S.C. ss.1681 ( c ) ( 2 ) that you, the XXXX credit report agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. Also I have filed a FTC identity theft criminal complaint number XXXX

Company response to consumer: Closed with explanation