vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-02-13 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-13 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: GA

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 2025-02-13 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: AR

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC XXXX, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
I believe my current profile may be part of a data breach. I do not recognize these items would like them immediately removed.

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 2025-02-13 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: MO

Complaint narrative:
The accounts in my attached documents are not mines. I have not open any of these accounts

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 2025-02-13 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 2025-02-13 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 me having to start a new account. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the ( EFTA ) Electronic Fund Transfer Act 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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I deposited {$25000.00} into my Robinhood stock trading app. At some point in late XXXX, I tried to transfer my funds to XXXX which triggered an internal flag that caused my account to be restricted. After this restriction came to my attention, I called Robinhood to lift my restriction and they told me my case would be under review. A few days later I saw no change on my profile and so I called them again, threatening to file a CFPB complaint if my case was not reviewed promptly. At that point, I saw a change on my Robinhood stock app that said my case was under review and would be decided by XXXX. Then, the date got pushed back to XX/XX/XXXX and then to XX/XX/XXXX. I am nervous at this point that Robinhood will steal my funds from me permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AL

Complaint narrative:
ACCORDING TO 15 U.S.C 1681 THIS COMPANY IS VIOLATING MY PRIVACY AND VIOLATING THE FEDERAL CREDIT ACT. THEY ARE CAUSING HARM TO MY CREDIT AND EMPLOYMENT, AND I WILL BE SEEKING LEGAL ACTION IF ISSUE NOT RESOLVED IN A TIMELY MANNER BEEN GOING ON TO LONG AND ALL THEY KEEP SENDING IS STATEMENTS NO SIGNATURE OR ORIGINAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: DC

Complaint narrative:
I have been a long time user of Cash App and had no out of the ordinary transactions whatsoever. I sent money to friends I knew personally in XX/XX/2024 for small expenses like food and bills. The largest transaction I received was in XXXXXXXX XXXX XXXX for XXXX XXXX for {$1000.00} as I am a XXXX XXXX from a family member. None of my activity was out of the ordinary. And out of the blue, my account was closed. Cash App refused to provide me with any information as to what activity violated their terms and conditions. I believe I was targeted for reasons outside of my Cash App transactions. All I want is my account reinstated as I did nothing wrong and rely on using Cash App to pay people for basic expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

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 balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In XXXX I went online to XXXX XXXXXXXX XXXX to take a class online. I borrowed Approximately {$1300.00} dollars. 
6 months later my mom passed away. She lived in an area where she was eligible for a program from the government called XXXX 
So, our attorney filed the paperwork so we could receive our money, my brothers and sisters. However, I did not receive the same amount because the Department of Education deducted what I borrowed from XXXX XXXXXXXX XXXX 
So, a few years go by, and I am contacted by a collection agency called Navient telling me I owe around {$6000.00} dollars. I explained that I had already paid off that loan. 
But they told me there was no record. So of course, I was afraid my credit would be ruined if I didn't make payments. I started paying them while I continued to try and find a receipt or someway someone could help me. I have paid this loan off easily 4 times over. because of the high entrust. And still today they tell me I still owe around {$6000.00} dollars. 
I am hoping that you can help me or direct me in some way where this issue can be corrected. 
Please any help would be appreciated I am XXXX and I am on a XXXX XXXX 

Thank you so much for your time XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Aldous & Associates, PLLC
State: MS

Complaint narrative:
Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) ALDOUS AND ASSOCIATES ( {$270.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX Data Breach, which I was impacted. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against ALDOUS AND ASSOCIATES for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. 
Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the XXXX  investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. ALDOUS AND ASSOCIATES failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I was never provided verifiable proof of this debt or Proof of Verification ; Wet Signature Application; Proof of Permissible Purpose. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given ALDOUS AND ASSOCIATES a fair opportunity to clear this up, however I am still being HARASSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am writing to formally report a case of identity theft that has severely affected my financial standing and credit history. This issue began on or about XXXX, and despite my continuous efforts to resolve the matter, it remains unresolved due to ambiguous responses from the involved organizations. 

and now the accounts have increased in passed years leading me to a drop on my credit score that is not ambiguous but a painful reality I have taken every possible step to resolve this issue by contacting the creditors, disputing the fraudulent activity, filing police reports, and placing fraud alerts on my credit report. Unfortunately, my attempts to resolve this matter have been met with ambiguous and unclear responses from the organizations involved. For example, some have claimed that a credit lab is conducting investigations, while others stated that my petition was made in error. 

However, there has been no mistake on my part. I have consistently pursued this matter and am pushing for a fair resolution. It is frustrating that I continue to receive vague or contradictory responses, leaving me in a state of uncertainty and financial distress.I am invoking the next laws so my rights can be respected and honored Fair Credit Reporting Act ( FCRA )

15 U.S.C. 1681 et seq. Section 605A, Section 613, The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, Massachusetts Consumer Protection Act ( Chapter 93A ), Under FCRA Section 605A,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this request in hopes of receiving assistance in reconsidering a XXXX late payment reported in XX/XX/year> on my account with XXXX  CARD. 

Unfortunately, this delay was a result of unexpected health issues ( XXXX ) that will temporarily impact my ability to make payment on time. However, my payment history reflects a strong commitment to my financial obligations, and this event was an isolated situation that does not represent my usual behavior. 
I am asking XXXX CARD for a request for a goodwill adjustment, based on my situation and demonstrating my responsible history.

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 2025-02-13 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: Experian Information Solutions Inc.
State: TX

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Collector misrepresents their role and is pretending to be the original creditor which violates the FDCPA. This is outlined of a debt collector misrepresenting themselves under Section 807 ( 10 ), which includes false claims about their identity, pretending to be the original creditor when they are not. These are deceptive practices and reporting should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Subject : Missing {$250.00} Bonus for Capital One Checking Account Promotion Complaint : I opened a Capital One checking account as part of a promotional offer that stated I would receive a {$250.00} bonus if I deposited more than {$500.00} within the first 30 days via direct deposit. I met all the stated requirements, yet I have not received my {$250.00} bonus. 

I have reviewed the promotions terms and confirmed that I fulfilled all eligibility criteria. Despite this, the bonus has not been credited to my account. I have not received any communication explaining the delay or denial of the bonus. 

I request an immediate review of my account and resolution of this issue by crediting the {$250.00} bonus as promised. Please provide a clear explanation if there is any reason for the delay. This account was opened XXXX called twice about matter and they claim i never called because they don't have record. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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