vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding a written-off account that remains on my credit reports ( EXPERIAN ) despite the fact that i have received a XXXX ( cancelation of debt ) form for this debt. This issue has caused a serious and unfair impact on my credit standings, and I'm seeking immediate assistance from the CFPB to resolve the matter. 

Despite receiving a XXXX form from the creditor, which indicates that the debt was legally forgiven and reported to the IRS, this account continues to appear on my credit report as written off, negatively impacting my credit score. 

The debt has been canceled and should no longer appear as charged-off or written-off account. Under the FCRA, inaccurate or unverifiable information should not remain on ANY of my credit report. 

Account Details, Name : XXXX XXXX XXXX XXXX account # XXXX date written off : XX/XX/year> amount reported as written off : {$2400.00}

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, Every month for XXXX  months I have been charged a new fee for my checking account. They changed the terms and fees since I opened my account but some how I wasn't grandfathered in to what I had. I have had to get CFPB involved on numerous occasions due to these type of issues with citibank. They were well aware that when they came up with these terms and started charging me without my knowledge, I spoke to a rep about getting my XXXX direct deposit go into checking instead of my CITI savings since they started charging this fee. On multiple occasions I explained that the change from Social Security would not start until the new year as thats what Social Security explained to me. It finally switched this month and of course I was still charged a fee even though i'm sure it is notated somewhere that we were waiting for SSDisablity to switch the accounts. I just feel like I am constantly having to check my account b/c citi is always doing something that causes issues with my account or finances. I just feel like I am always being scammed or stolen from and it is causing me stress and i already have serious health issues that can not handle this. The direct deposit was in the account in the XX/XX/XXXX and the fee was put on XX/XX/XXXX and posted XX/XX/XXXX. I contacted a rep whom was very nice a polite ( XXXX ), he tried to help but it shows that I have had fees reversed before for that same reason.

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 2025-01-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ILLINOIS ) XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$1500.00}

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 2025-01-31 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Upon opening my account with Navy Federal last year, I encountered several issues. Initially, there were problems with unauthorized access to my account and unauthorized transfers of funds to accounts that were not mine or in my name. These issues were promptly resolved. 
Subsequently, I encountered another problem when someone attempted to obtain a loan in my name without my authorization. As a result, my account was closed, and I was restricted from accessing it. I subsequently filed a security appeal to dispute the unauthorized loan, and my appeal was successful. However, despite the evidence proving that it was not me who had taken out the loan, my account remains restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I received a phone call stating I owed money from for parents plus a loan Greatlakes Nelnet said they were taking over, but I disagreed with that on phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Radius Global Solutions LLC
State: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The inaccurate information is negatively affecting my credit profile, and I request that it be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

Disputed Information : Account Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Nature of the Error : " This account is inaccurately reported as Collection, however, I have no knowledge of this creditor or account for the amount of {$680.00}. Reported opened XX/XX/year>. 

Under the FCRA ( XXXX XXXX. XXXX ), you are required to conduct a reasonable reinvestigation of this matter and remove or correct any inaccurate, incomplete, or unverifiable information. Please provide me with a written response confirming the results of your investigation. 


If the disputed item can not be verified, I request its immediate removal from my credit report. Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your response within XXXX  days, as required by the FCRA. 

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im beyond frustrated with the state of my report. Every time I try to move forward, these repeated mistakes drag me back. My score is suffering, and Im losing out on opportunities because of errors that are completely out of my control. Its infuriating to know that Im being held back by something that should be so simple to fix.

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 2025-01-31 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: IL

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The accounts are -XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount XXXX {$14000.00}, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : 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 non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. 

These discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I'm writing to express my extreme dissatisfaction with a recent unauthorized payment from XXXX of my linked accounts. Due to a technical issue on XXXX  's platform, I was unable to select the desired account for payment. XXXX automatically selected a different account, resulting in a {$30.00} overdraft fee. I contacted customer service, but they refused to reimburse me. This is unacceptable. XXXXXXXX XXXX system malfunction caused this issue, and I expect Venmo to take responsibility and reimburse the overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am a vacation rental host with XXXX, who uses Hyperwallet/PayPal for paying the hosts. I contacted XXXX on XX/XX/year> to inform them that someone attempted to change the bank account on my profile to redirect payments to them. Clearly, the account was not mine ( different name and different bank ). This happened XXXX more times with XXXX additional individuals successfully rerouting funds due to me for reservations. I have been trying to get XXXX to unwind this, but I'm getting nowhere and very uncomfortable about where my upcoming payouts will wind up, due to the clear indication that Hyperwallet/Paypal are unable to secure their processes. This is an ongoing problem that is not isolated with XXXX host - others on XXXX, etc, are saying the same thing. This is an outrage, especially since there is clearly no sense of urgency on their part and they are making no effort to respond to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA MIDLAND CREDIT XXXX Debt buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cease and Desist Demand Dear Midland credit management XXXX XXXX writing to formally request that you cease and desist related to credit/debit that you want to stop, unauthorized transactions, harassment, It has come to my attention that between XX/XX/year> XXXX. This behavior is not only unwarranted but also [ mention any relevant legal or contractual violations ]. 

As a consumer, I have the right to protect my financial information, dispute unauthorized charges. I expect that this matter will be resolved promptly and that you will take the necessary steps to ensure that it does not happen again. 

Please consider this letter a formal notice that if you do not cease and desist from the above actions, I will be forced to take appropriate legal action to protect my rights. 

I expect a written response to this letter within XXXX days confirming that you have ceased the disputed actions. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
First merchants XXXX XXXX. There were XXXX occurrences they totaled up to over {$2000.00} dollars in fees. I had set up a low money warning on their web site but they redid the web site and the new website did not have any of the those features available. I had an issue with discover card auto deducting the payment from my account. I was not aware they did it. Instead of declining the card or sending text notice or email they sent a letter in the mail. I had no idea and no warning. It was through the holidays and I was having health issues. It was very distressing. After it happened a second time I figured out what was going on. However not before they charged me over {$2000.00} in NSF fees. 

I understand that I made an error, but to have removed the safe guards that were in place and not have other options then allow it to go no without declining the card no electronic notice, while snail mail was being delivered seems like a deliberate and deceptive practice. The web portals have always been really bad and the mobile app is unusable. I did an online search and saw that this bank also had issues with Redlining litigation. I've been with this bank for 10 years and it has always been subpar, I'm ready to move on, put I feel I was set up to fail in this situation. Llike it was deliberate.

Company response to consumer: Closed with explanation