vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) - 5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$700.00} XXXX XXXX XXXX XXXX. {$3500.00}. XXXX XXXX balance {$3500.00}. XXXX XXXX XXXX XXXX {$3300.00}. XXXX XXXX XXXX {$1200.00}. XXXX XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1000.00} XXXX XXXX XXXX XXXX. {$350.00} XXXX XXXX. {$260.00} XXXX XXXX XXXX. {$0.00} XXXX XXXX XXXX. {$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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union cashed bonds and then did not send a 1099-INT, but reported the disbursement of funds to the IRS. When I called on 21JAN25, they confirmed verbally that they did not send the 1099-INT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My identity was stolen. I reached out to all 3 credit bureaus to place security freezes and try to dispute the fraudulent accounts. None of the 3 would answer the phone.

I also at this same time had my name legally changed, so I tried to update my information with them by providing the copy of the court order of name change. This instead " fractured '' my report into " multiple accounts '' and left me open to even more fraud as now the credit report was incomplete/inaccurate and any " freeze '' applied only applied to one name and not all of my information.

I have been unable to connect to a human being for two months. This began on XXXX and I have not been able to get connected to a human person via phone as each bureau continues to try and push me into their paid service in order to be able to speak to a human being. I have multiple open case numbers and am unable to follow up on them or correct this mistake THEY made as they will not answer their phones. I spend 5 hours a day EVERY DAY on hold with their chatbot on the phone. EVERY. DAY.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was stolen. I reached out to all 3 credit bureaus to place security freezes and try to dispute the fraudulent accounts. None of the 3 would answer the phone.

I also at this same time had my name legally changed, so I tried to update my information with them by providing the copy of the court order of name change. This instead " fractured '' my report into " multiple accounts '' and left me open to even more fraud as now the credit report was incomplete/inaccurate and any " freeze '' applied only applied to one name and not all of my information.

I have been unable to connect to a human being for two months. This began on XXXX and I have not been able to get connected to a human person via phone as each bureau continues to try and push me into their paid service in order to be able to speak to a human being. I have multiple open case numbers and am unable to follow up on them or correct this mistake THEY made as they will not answer their phones. I spend 5 hours a day EVERY DAY on hold with their chatbot on the phone. EVERY. DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
My credit is an essential part of my financial stability, and I am deeply troubled by the inaccurate information appearing on my credit report. These errors are more than just numbersthey have a real impact on my life, creating constant stress and frustration, especially when I face repeated denials for credit applications that should have been approved. Its disheartening to know that my creditworthiness is being misrepresented due to mistakes that are beyond my control. I am reaching out to you with the sincere hope that this matter will be taken seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reinserted on my credit profile after my reinvestigation 1 year ago this account was successfully removed now XXXX and equifax illegally violated FCRA by reinserting this account. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account was never properly investigated after i sent mulitple investigation disputes. I received letter back from XXXX  and equifax stating this account was properly investigated! XXXX and Equifax violated FCRA by failing to properly conduct reinvestigations of disputed information. They also failed to delete inaccurate, incomplete or unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
i 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 recovery lost funds was impossible and that tracking these transactions was infeasible. The CFPD 's findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
Im filing a complaint against Navy Federal Credit Union regarding overdraft fees, delayed transactions and my account closing twice because of this. I was charged fees due to the lagged posting of charges and credits. This issue aligns with CFPB recent findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these are unfair and request an investigation to not 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 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 XXXX 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Involves XXXX XXXX credit card. 
Debt collector is Comenity Bank. 
Debt amount is {$100.00}. 

This debt was paid by me on XX/XX/year>. 

I have a bank statement documenting the payment. 

I contacted Comenity Bank and told them of this error. They had no record of payment. I asked how I could get them a copy of my bank statement ; they gave me no assistance on how to take this action. They did not forward my complaint, or assist in any way. 

This is the SECOND TIME this has happened to me regarding Comenity Bank ( see prior complaint ). The last time this happened, my XXXX XXXX account was credited, NOT my XXXX XXXX account. 

I am being bombarded with DOZENS of phone calls, some as early as XXXX. As soon as I block one number, I get calls from different numbers. Also, they have destroyed my credit report for a nonexistent debt. I consider this extreme harrassment.

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
As per 15 USC 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15 USC 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I was a victim of a home invasion robbery in which all my personal information was stolen. I began receiving letters from institutions about accounts opened in my name. and then a letter from XXXXXXXX XXXX and XXXX regarding a data breach. I'm not sure if the fraudulent accounts were a result of the data breach or the robbery. I sent the police report and data breach notices to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/year> I was a victim of a home invasion robbery in which all my personal information was stolen. I began receiving letters from institutions about accounts opened in my name. and then a letter from XXXX XXXX and XXXX  regarding a data breach. I'm not sure if the fraudulent accounts were a result of the data breach or the robbery. I sent the police report and data breach notices to the reporting agencies.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violate 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 do not comply with errors resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

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 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. XXXX financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX XXXX XXXX report XXXX and a prior Validation of Debt letter.

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I.C. SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Account XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account XXXX XXXX  for the amount of {$450.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt. 
Please provide the following : The name and address of the original creditor. 
The amount of the debt and a detailed breakdown, including fees, interest, and other charges. 
XXXX that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 
Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 
If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 
Please respond to this letter in writing and send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In the Summer of XXXX, I was given a letter of default of my student loans. I was still in school and had not graduated yet. I went to the financial aide office at XXXX University to get it fixed, and they informed me that it was corrected and that there was nothing else to worry about. The student loan provider, however refused to reverse all the procedures that go along with being in default, including compounding all my loans and adding all my interest from unsubsidized loans to my principal. Along with that, the interest rates that were charged to me were far above the federal limit at the time. as much as 11 %, if memory serves me well. This stayed attached to my account until I graduated in XXXX. Upon graduation, I was informed that I had a principal amount of XXXX dollars that I owed... The total amount of all my education without interest was XXXX dollars. This is all due to the servicer that compounded my loans. I was forced to move them all to private loan providers, because I could not afford to pay the minimum monthly payments to the loans. I was also informed that the monthly income-based repayment option was more expensive than the non-income based repayment plan. Since that time, I have shuffled through private loan providers for 11 years, paying back ~ XXXX. I still owe XXXX today ( XX/XX/XXXX )... I recently found out that Navient and XXXX XXXX ( both of whom I had my loans with ), had a lawsuit and lost where it describes exactly what happened to me. I just want justice for this unlawful activity. The federal government refuses to acknowledge that I owe any money for student loans because they are considered " paid in full '' on my account. This is because I had to move them into private loans. I want these outrageous loans to be XXXX. I am currently with XXXX, and they claim that the only way to make the loans go away is to sue Navient ( a company that no longer exists ).. I am completely out of options at this point. I am a useless contributor to this country if i spend the rest of my life paying for my student loans like this.

Company response to consumer: Closed with explanation