vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required topromptly DELETE all information which can not be verified.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Comerica
State: MI

Complaint narrative:
In XX/XX/year> I tried to apply for a loan the loan went through when I gave the entity [ XXXX ] my bank account and routing number. {$1900.00} were deposited into my account with Comerica I withdrew the money for what I needed for and somehow I ended up with a negative on my account I was reported to XXXX XXXX for fraud and I had done nothing I paid Comerica back their money but my name remained on XXXX as fraudulent but I still do not understand how I ended up with a negative with Comerica Bank when the only thing that I should have was a XXXX account balance I had been with Comerica almost 15 years and I've never done any fraudulent activity with no one ever in my life. I've tried working with XXXX and sending them information to try and have my information removed, but they refuse to even try to work with me. I've contacted council on this matter, because I did nothing wrong, and I even did the right thing and paid Comerica bank back the money that I still don't think that i owed them. They have record of me withdrawing the money, but it was impossible for me to withdraw it again, for you can't withdraw what's not there. I really need some help, because otherwise I'm taking this matter to court to sue both parties for defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I contacted the mejer citibank credit card customer service at their phone number on the back of my meijer credit card. I explained that I would like to have information about the card, as I did not apply for the credit card before receiving it in the mail. Over a series of three phone calls, I asked several times three questions to each representative colon purchase history comma information used to apply for the credit card comma information on how to close the credit card. Each time the call was terminated, and I did not receive any assistance with these matters.

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 2025-02-01 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: WA

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 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have recently heard about the over draft fee lawsuit against navy federal and I can guarantee I have been a victim of this problem. I have had my account since 2020 and they have charged me numerous of times for an overdraft fees which I always questioned why it wasnt the exact overcharge and always excessive. Recently I actually had a very upsetting phone call with them about the same problem I used XXXX through there banking to send money and they took the {$50.00} I sent and over-drafted me for money they took when I called to complain they blamed XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OH

Complaint narrative:
Equifax and Experian deliberately lowered my credit score after I tried to get a mortgage loan. They improperly investigated disputes. The companies get paid to put derogatory negative remarks on my credit report. Then charge the consumer for a report with a credit score that they generate. I contacted Equifax who then lowered my credit score by over XXXX points within an hour. They improper handle and investigated my disputes. Allowing the buyer of a debt report a newer date. The post the date the debt was purchased and not the original date of debt.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
In XX/XX/year> I tried to apply for a loan the loan went through when I gave the entity [ XXXX ] my bank account and routing number. {$1900.00} were deposited into my account with XXXX I withdrew the money for what I needed for and somehow I ended up with a negative on my account I was reported to check systems for fraud and I had done nothing I paid XXXX back their money but my name remained on chexsystems as fraudulent but I still do not understand how I ended up with a negative with XXXXXXXXXXXX XXXX  when the only thing that I should have was a XXXX account balance I had been with XXXX almost 15 years and I've never done any fraudulent activity with no one ever in my life. I've tried working with chexsystems and sending them information to try and have my information removed, but they refuse to even try to work with me. I've contacted council on this matter, because I did nothing wrong, and I even did the right thing and paid XXXXXXXX XXXX back the money that I still don't think that i owed them. They have record of me withdrawing the money, but it was impossible for me to withdraw it again, for you can't withdraw what's not there. I really need some help, because otherwise I'm taking this matter to court to sue both parties for defamation.

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 2025-02-01 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: SC

Complaint narrative:
I have repeatedly requested the removal of a charge-off/collection from my account, yet no progress has been made. The credit reporting agencies have failed to comply with federal law regarding the accurate reporting of information. I requested validation of the account and its removal, but neither Experian nor TransUnion has complied. The account in question, " XXXX XXXX XXXX, '' continues to be inaccurately reported by both agencies.

The credit reporting agencies are required by federal law to respond within 30 days, yet they have failed to do so. Failure to comply with these federal regulations is subject to investigation by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-compliance continue. 

As established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-compliance.

I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to enforce compliance with federal regulations. I seek a prompt resolution to this matter, including the removal of the inaccurate information from my credit report. Please provide a response outlining the steps being taken to address 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NC

Complaint narrative:
in 2020 sent {$100.00} to my son on cashapp he could not access funds attempts to make a request for refund went unanswered for months before funds were returned never received response or notifications of any kind d

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Consumer Financial Protection Bureau Online Portal RE : Accounts ending in : Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with Goldman Sachs Apple Card concerning accounts that have been charged off. Goldman Sachs Apple Card has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from Goldman Sachs Apple Card for these charged-off accounts. 

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes. 

Goldman Sachs Apple Card 's failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting.

If Goldman Sachs Apple Card does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty. 

I kindly request your assistance in directing Goldman Sachs Apple Card to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter. 

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

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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, 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 proceedingthe 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, 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. 2025-CFPB-0002 ) 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.my three accounts with XXXX XXXX XXXX please delete from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I opened a new cash app cause of new phone and number ( lost my old phone ). When adding my new number issued by XXXX it was linked to another account. I provided ID card to verify identity which has been verified. They said they still could not transfer balances from my old accounts ( 2 ). Had to link a bank, and send photo ID again. Was told 3-5 business days that was the XXXX. Called again today XX/XX/XXXX and nothing has been done. I have 2 balances needing transferred from past accounts one was {$62.00} the other unsure they are locked. Also have a pending transaction on new account for {$20.00}. Old accounts are XXXX XXXX  opened in XX/XX/XXXXXXXX XXXX XXXX XXXX opened in XX/XX/XXXX. The case no. is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On top of complaint : XXXX I have cashed out a ROTH IRA and am unable to cash the check at Bank of America because the check is over XXXX XXXX dollars. I'm also unable to open an account with another bank because the flag still exists.

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 monetary relief
Consumer complaint received 2025-02-01 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:
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. 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, deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant financial loss, Issues with my current Bank ( chase ) and Major inconveniences. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: WI

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged overdraft fees due to delays in posting charges and credits. This issue appears to be consistent with recent CFPB findings concerning Navy Federals handling of similar transactions, where fees were applied despite initially available funds. I believe these practices are unfair and request a prompt 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 2025-02-01 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$270.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting inaccurate information on my account which violates the Fair Credit Reporting Act ( FCRA ). The accounts that are reporting inaccurate information are listed below : XXXX XXXXXXXX : Account XXXX XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Equifax to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account. 

XXXX XXXXXXXX : Account XXXX XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Equifax to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account.

Company response to consumer: Closed with non-monetary relief