vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$12000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$6400.00}, XXXX. XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Na Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$430.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$300.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date opened XXXX XXXX {$250.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX XXXXXXXX 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 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had opened an XXXX savings account in XXXX of XXXX. Capital One bought them and for a time, maintained the promised high interest rates, based on the XXXX  rates. In XXXX of XXXX, I saw that my 360 Savings rate was only 0.3 % when the XXXX  rates were much higher. I was livid that Capital One did not notify me that they had swapped to a different type of savings account and did not grandfather me into that one. I kept thinking my rate would continue to follow the trends. Heck, I found a statement from XXXX where Capital One happily told me how much interest I'd earned since XXXX. 

When XXXX 's marketing touted my amazing rates, I expected a similar marketing messages to tell me about changes. 

I don't expect handholding, but I do expect notification of a stagnant rate.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute Regarding Civil Liability for Negligence and Non-Compliance I am writing to formally dispute the claims of civil liability for negligence and non-compliance as outlined in [ specific document/reference number ] dated [ date of the document ]. I believe that the allegations made against me are unfounded and do not accurately reflect the circumstances of the situation. 

Under Section 1681, it is imperative to establish that negligence was present, which requires clear evidence of a failure to exercise reasonable care. In this case, I assert that Ive disputed multiple errors on my credit report for investigation, this company failed to complete a thorough investigation and fix the errors. 

I request a thorough review of this dispute and a reconsideration of the claims made. I am willing to provide any additional documentation or evidence needed to support my position. Please respond to this letter by [ insert a reasonable deadline, e.g., XXXX  days from the date of this letter ], so we may resolve this matter amicably. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised I was a victim of Identity Theft!! 
XXXX XXXX XXXX we Ive never done business with or interned into a written contract is trying to collect a debt I dont owe. I police report was provided in XX/XX/year>!! The account was removed!! Ive never done business with XXXX finance.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised I was a victim of Identity Theft!! 
XXXX XXXX XXXX we Ive never done business with or interned into a written contract is trying to collect a debt I dont owe. I police report was provided in XX/XX/year>!! The account was removed!! Ive never done business with XXXX finance.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have sent multiple letters to XXXX XXXX XXXX requesting a signature as verification for several debts they are attempting to collect. I am not responsible for these debts, as my personal information was compromised due to credit bureau data breaches, leading to fraudulent accounts being opened in my name. 

The accounts in question are : Account # XXXX Balance : {$1200.00} Account # XXXX Balance : {$1400.00} Account # XXXX Balance : {$680.00} Account # XXXX Balance : {$810.00} In response to my letters, XXXX XXXX XXXX has only provided statements related to the accounts they purchased from the original creditors. However, none of the documents they have sent include my signature or indicate when these accounts were opened. 

I have sent certified letters on XX/XX/XXXX, and XX/XX/XXXX, and each time I have received the same response without proper verification. I am requesting that these debts be fully validated with documentation that includes my signature or be removed from my records.

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: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
After waiting and going back and forth with MOHELA for almost XXXX years on the status of my request, I finally received this message recently As a result of this one-time adjustment, our records indicate that MOHELA has received confirmation from Federal Student Aid that your Direct Consolidation Loan disbursed on XX/XX/year>, met the number of qualifying payments necessary to receive forgiveness, effective its date of disbursement of XX/XX/year>. This posed to your account on XX/XX/year>. Please note that the effective date of forgiveness can not be earlier than the date of a loans disbursement. You are eligible for a refund of any payments applied to a loan after its effective date of forgiveness. As no payments were applied to your loan after its effective date of forgiveness of XX/XX/year>, you are not due any refunds. You can view the details of your remaining Direct Parent PLUS Loans through your MOHELA web account. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer Advocacy Team at XXXX from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, or XXXX to XXXX XXXX XXXX XXXX, Central Standard Time. You can also visit XXXX. Sincerely, MOHELA I want to know if the IDR adjustment will be applied to ALL of my loans as stated in the rules??? I have loans before the consolidation that occurred in XXXX of 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 2025-02-09 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: Experian Information Solutions 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.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balance 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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Each credit bureau Transunion, XXXX and XXXX all have incorrect, illegal and fraudulent information on my credit report according to 15 U.S. Code 1681 e ( b ). Inaccurate info. Closed accounts. Old debt. Charge offs. Late Payments. XXXX, Transunion and XXXX are in violation of my consumer rights including identity theft.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TN

Complaint narrative:
I was unaware of any debt with Jefferson Capital Systems , LLC. On XX/XX/XXXX, a processor served me with papers for a court hearing at my home to attend court on XX/XX/XXXX. The original creditor on the papers I received is nowhere on my credit report. They state a bill of sale and assignment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are no other pages or amounts on the bill of sale document. According to the bill of sale dated XX/XX/XXXX reflects my personal information with an open date 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

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: Early Warning Services, LLC
State: TX

Complaint narrative:
l am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Wednesday XX/XX/2025 I woke up to a notice that my sponsorship for my daughter 's Cash App had been canceled. I assume the sponsorship was canceled because she was now XXXX XXXX XXXX XXXX and no longer required. XXXXive minutes later I received another notification that my cash app had been permanently closed I had absolutely no idea why my account would be closed so I reached out to Cash App as you can see in the images provided. They said it was for gambling and or violating of terms. When I reached out and asked for what exact terms, no one can give me an exact term as far as gambling I don't gamble. I have come to the belief that cash app close my account due to lawsuit that is pending against them. I had money in my cash app that I had to quickly move out of it Because I was afraid I would not be able to get my money out of cash app due to them, closing my account unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Formal Dispute and demand for loan discharge due to Legal Violation and Data Breach Complaint - Unauthorized Access to my Education Records I am writing to formally dispute the legitimacy of my student loan obligation. Due to serious legal violations and breaches of federal privacy laws including the Family Educations Rights and Privacy Act ( FEPRA ), the Privacy Act of 1974 and the Higher Education Act.

I am filing a formal Complaint under the Family Educations Rights and Privacy Act ( FEPRA ), the Privacy Act of 1974 and the Higher Education Act regarding an unauthorized access and disclosure of my financial aid records, sharing my personal and banking information. I have not given permission to disclose my information. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties XXXX XXXX, unofficial government entity XXXX, and other possible affiliated entities. 

This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 

Legal grounds for discharge. 
FERPA violations : The exposure of my educational records without my expressed written consent is a direct breach FERPA, which mandates the protection of personally identifiable information.

Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies. 

Breach of Higher Education Act : The higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan information to XXXX and subsequent data breaches demonstrates clear negligence. 

Demands for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. 
Complete removal of all student loan related entries to my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 

If my demands are not met I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX  Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
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: Servicer under contract with Federal Student Aid
State: MO

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

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I provided information that the credit was violating the Fair Credit Reporting Act by having XXXX charge offs on XXXX debt and the debt is still open after all these charge offs. This is in violation of the law. Experian reported back within XXXX days of their investigation stating everything was accurate and will remain on my credit report I need experian to inforce my request from XXXX XXXX because they are in violation of the law above.

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