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: 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: VA

Complaint narrative:
I disputed the length of time an item is supposed to remain on my credit report. Each time I filed a dispute, the items date changed, extending the reporting period. XXXX, TransUnion, and XXXX all show different dates for the same items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The length of time an item remains on my report is based on the Date of First Delinquency ( DOFD ), which should not change. In this case, illegal re-aging is a violations of my consumer rights.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed the length of time an item is supposed to remain on my credit report. Each time I filed a dispute, the items date changed, extending the reporting period. XXXX, XXXX, and Equifax all show different dates for the same items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The length of time an item remains on my report is based on the Date of First Delinquency ( DOFD ), which should not change. In this case, illegal re-aging is a violations of my consumer rights.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The company placed charged off accounts on my credit report I disputed it they Verify accounts thats closed I never new existed and placed balances on my credit report I disputed the closed fraudulent so now they Retaliate and mark closed accounts thats over XXXX to XXXX XXXX XXXX as late payment 60 day late 180 day late My consumer rights dont exist with certain consumers They sell my information without my permission Im victims of massive breaches and dark web

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: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds avaliable at the time the transactions were authorized. However due to delayed posting of charges and credits I was unfairly charges overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds. These practices seems unfair and somewhat deceptive.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations. Per XXXX U.S.C. XXXX ( a ) ( 1 ), credit reporting agencies are required to perform a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating XXXX USC XXXX ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. Failure to comply will result in me seeking {$1000.00} per violation found on my consumer report Thank you 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
i tried to reason with company on payments and futher payments they refused to take my money i asked for them to remove me from account

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For whatever reason Trans Union is now making more errors on my report than XXXX has historically been doing. This account is closed! Why they keep screwing up the reporting on it is beyond me! Per FCRA laws I should not have to keep disputing the same accounts over and again with this inept bureau! The bank is no better because they're positively and ultimately RESPONSIBLE FOR ALL REPORTING TO THE CREDIT BUREAUS!!! So I'm including them in this complaint because the reporting is coming from them directly! So they and Trans Union are completely inept! The CFPB just sued XXXX and XXXX for constantly not taking care of disputes filed by consumers. Do you want to be next?????? You recently got sued for misreporting info on employment background checks! I keep up on what's happening because I subscribe to the CFPB notices. FTC, FinCen and FDIC too! So I'm not an unaware consumer, I'm VERY aware of what is going on! So you're probably on the list to be next to get sued for bad business practices. The banks have been getting hit hard too and I'm glad!!!! All of you deserve to be put out of business! This is inexcusable. Both accounts have been closed for years! So this constantly getting info incorrect will not continue to go on! It will come to an end even if I have to force that end!!!

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and 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 2025-01-21 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: GA

Complaint narrative:
Earlier today, I noticed that my credit report contains inaccurate accounts, and I have no explanation for it. I regularly review my credit report, but this time I came across some unexpected errors. I attempted to refresh my browser, hoping it was just a technical issue, but the inaccuracies persisted. Therefore, I am requesting a careful examination of the documents I submitted to prevent future concerns.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 41 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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
In XXXX XXXX a collection appeared in my credit file from Vance and Huffman LLC, after researching this, the account in question is from XXXX XXXX XXXX, currently named XXXX XXXX, and the account was sold to Vance and Huffman LLC. I hadn't heard of either of these entities. The phone listed in association with the account was lost, and my credit files all had a fraud alert placed to prevent entities from using my identity to receive services. In this case, a loan was made for {$2500.00} and today Vance and Huffman LLC has that sameoan listed for {$4400.00}. The verification email shows me getting paid on the XXXX. I'm a retired Military Veteran, and get paid at the end of each month. There is a electronic signature but I can assure you, this isn't a loan that I applied for. I've already sought legal counsel, but we agreed to try contacting the CFPB again for the second or third time. On their we site, the reviews shows 90 % or more of bad reviews complaining about the exact same issue. Mystery accounts appearing on consumers credit reports, and aggressive behavior from the representatives when they attempt to inquire about these issue.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Someone sent me a Zelles to my navyfed account I didnt know and my account was shutdown

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: MI

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 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 2025-01-21 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: Early Warning Services, LLC
State: NY

Complaint narrative:
I would like to be reimbursed for the reported transactions in the lawsuit.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report.

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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting 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 : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting 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 : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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

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

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