vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-23 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
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 proce 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 XXXX financial loss, and I seek appropriate Redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
In XX/XX/XXXX I consolidated my loans, see XXXX XXXX  attached. In XX/XX/XXXX XXXX sold my loan, see Account History attached. In XX/XX/XXXX I received the letter that my loans qualified for Borrower Defense and would be submitted on my behalf, see Notice of Borrower Defense Discharge. In XX/XX/XXXX XXXX  ( who did not have my loan at the time ) received the communication and sent the letter attached, see Discharge Based on Borrower Defense Evidence. In XX/XX/XXXX XXXX became my loan servicer, see XXXX Welcome Letter. They did not receive notification of my Borrower Defense case # XXXX. The Department of Education has been communicating with XXXX  about my Borrower Defense case, even though they no longer hold my loan. I was not eligible for the foreberance with XXXX. XXXX also shows that my loan was forgiven, even though I've had a balance of {$0.00} since they repackaged my loan to another servicer back in XX/XX/XXXX. My current loan servicer has not put a hold on my loan, or gotten information about my Borrower Defense despite the fact that my consolidated loans that they hold are the ones from XXXX  XXXX XXXX ; the loans that are eligible for Borrower Defense.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app closed my acct for a unknown reason so I was wanting to file on the lawsuit that cash app has going on. 
I believe I am entitled to this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifaxs 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
requested 1099-c and other laws that are under the FTC and CFPB and they refuse to follow them and remove information 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Want these inquiries to be deleted bc I dont authorize these companies to run my credit and thats fraudulent.

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 2025-01-23 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
The use of atm the fees take from you are told to you to be one thing then when u check your balance its way higher than what was told

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 a complaint against Equifax for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
In accordance with the fair credit reporting act convergent account # has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

I dispute the following Hard Inquiry in my credit report under the Fair credit reporting Act ( FCRA ) section 611 ( 18 U.S.C.1028i ), unverified inquiries must be Remove.Please investigate and Remove any unverifiable inquiry. 
XXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX ( MISCELLANEOUS ) INQUIRY date XX/XX/XXXX XXXX ( Finance ) Inquiry date XX/XX/XXXX XXXX XXXX  ( Bank ) Inquiry XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX ( bank ) Inquiry Date XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX  ( Finance ) Inquiry Date XX/XX/XXXX XXXX  XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/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 2025-01-23 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: GA

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 transaction were authorized, I was charged fee due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Follow-Up Dispute and Request for Proof of Debt Ownership Dear XXXX XXXX, XXXX, I am writing regarding my previous request for validation of the debt you are reporting under Account XXXX As of XX/XX/XXXX, I requested that you provide a copy of the purchase agreement or other evidence of your legal right to collect this debt. However, I have not received the required documentation within the reasonable timeframe allowed by law. 

I have also received a letter from an attorney on your behalf. I hereby request you cease and desist collection of any kind until you can provide the purchase agreement proving you own this debt Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, I have the right to request and receive sufficient evidence that you legally own or have been assigned this debt and that your reporting and collection efforts are accurate and lawful. Your failure to provide the requested documentation casts doubt on the validity of your claim and may indicate a violation of federal law. 

Additionally, without proof of a valid purchase agreement showing the chain of custody for the debt, continued reporting of this account to the credit bureaus could constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and substantiated information. 

To resolve this matter, I am requesting the following : Provide documentation verifying your ownership or legal assignment of this debt, including the original purchase agreement between you and the prior creditor. 
Cease reporting this account to the credit bureaus until you can provide sufficient evidence validating your right to collect the debt. 
Remove this account from my credit report if you are unable to validate the debt or provide evidence of your ownership. 


I request that you provide this documentation within 15 days of receiving this letter. If you are unable to provide the requested information, I expect that you will : Cease all collection efforts immediately. 

Inform the credit bureaus to delete this account from my credit report. 

If you fail to comply, I will have no choice but to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ), and/or my states attorney generals office. 

Enclosures For reference, I have attached : A copy of my original request for validation of this debt. 
A copy of my credit report showing the disputed account. 
Please note that this is a good-faith attempt to resolve this matter amicably. I reserve the right to pursue further legal action if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I initiated a dispute with Experian on XX/XX/XXXX for a collection on my credit report. The report came back on verified. I reached out to Experian via phone on XX/XX/XXXX @ XXXX to ask how do I submit a request for verification on how my dispute was processed and the agent told me that he can not give me that information because the dispute is not verified through Experian. They send my request to the creditor or collection agency and the creditor or agency advises whether the account is valid and then Experian will mark dispute verified. I then stated so you are telling me Experian does not complete their own investigation or request verified details of a dispute and leaves that to the creditor or collection agency to verify with providing proof. He advised that is how they investigate.

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 2025-01-23 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: MI

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
I received mail from Discover Bank stating that I would be sued if I failed to pay on a credit card debt that doesnt belong to me. I have stated to XXXX and to Discover that this account is not mine and I was a victim of identity theft and fraud during the year of XXXX. I stayed in New York and my information as well as my daughters was stolen with a purse that had been taken. I never received back any of our information yet suffered from these things. I tried to request a pay to delete as I dont want this account to continue to damage my credit and I am choosing to take accountability for my credit as I need it to advance in life. I have tried to request validation with my signature and only received charge documents. I also tried to request an option to pay off the debt to be relieved of this frivolous account. Both and all attempts have failed to dispute this inaccurate accounts and Im left to file a complaint and try again to get this account corrected as it continues to hurt my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation