vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
Consumer Name ; XXXX 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 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 a credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A XXXX  loan account opened at DEPT OF EDXXXX XXXX on XX/XX/XXXX under the account number 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 # ( private case number ) 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-25 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: FL

Complaint narrative:
I am writing to dispute inaccurate and fraudulent information on my credit report. I believe Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically with regard to maintaining accurate information and conducting proper investigations into disputed information. 

Despite my good-faith efforts to resolve this matter, the continued reporting of this fraudulent account demonstrates negligence in maintaining accurate consumer information. Under 15 U.S.C. 1681 ( o ), Experian may be held civilly liable for failing to meet its FCRA obligations. 

As a result of this negligence, I have suffered denial of credit, harm to my credit score, emotional distress, and financial loss.

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 2025-01-25 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:
Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B Dear Sir/Madam, I am writing to formally request, pursuant to FCRA 605B ( XXXX U.S.C. XXXX ), that Equifax block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within XXXX business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX I Opened : XXXX  Account Number : XXXX XXXX XXXX Opened : XXXX Account Number : XXXX XXXX XXXX XXXX Opened : XXXX Account Number : XXXX XXXX XXXX  Opened : XXXX Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report maintained by Equifax, which includes the fraudulent accounts, collections, and inquiries mentioned above. 
I do not recognize any of these accounts, collections, or inquiries as legitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 
As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX ) which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 
Fair Resolution Requested : I request that Equifax block all of the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA 605B ( XXXX U.S.C. 
XXXX ), within four business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-01-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXX XXXXXXXX XXXX Lease Date opened XX/XX/XXXX, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX  Date Generated XX/XX/XXXX, two other dates where I filed a dispute but nothing happen XX/XX/XXXX and XX/XX/XXXX The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
I made an online purchase on XX/XX/XXXX. The company never sent my product and and I finally cancelled the order on XX/XX/XXXX. The company advised they would refund my purchase in 5 - 7 days. It has never happened. After no refund by XX/XX/XXXX, I disputed the charge with my credit card company. They initially reversed the charge while investigating. They unexpectedly returned the charge stating it had been over 60 days from the original purchase. I was surprised and confused at this response. I contacted them asking where was this policy. They said it was on the back of the statement. I reviewed the statement and the 60 day rule applies to statement errors and not disputes. 

XX/XX/XXXX - Placed order XXXX at XXXX XXXX. 
XX/XX/XXXX - Inquired about receipt of my order. They apologized and said it would be XXXX delivery. 
XX/XX/XXXX - Inquired about product. 
XX/XX/XXXX - XXXX XXXX responded with an apology advising a delay. XX/XX/XXXX - Cancelled order XXXX. 
XX/XX/XXXX - Advised refund would be in 5-7 days. 
XX/XX/XXXX - Inquired about status of refund. Customer service advised they were running behind and would escalate the refund issue XX/XX/XXXX XX/XX/XXXX - Inquired about refund. Customer service advised they would investigate. 
XX/XX/XXXX - Disputed the charge with credit card company Elan Financial Services. # XXXX. The disputed charge XXXX. 
XX/XX/XXXX - Still no refund. Sent email to XXXX XXXX XXXX XXXX today. 
XX/XX/XXXX - Credit card company reversed the charges with interest citing a 60 day rule. 
XX/XX/XXXX - Contacted the credit card company asking where the 60 day rule came from. The said it's on the back of the billing statement. I reviewed the back of the billing statement and it shows it's for errors. The dispute section doesn't have a time limit. 
XX/XX/XXXX - Filed Complaint against XXXX XXXX XXXX with the XXXX XXXX XXXX to escalate the refund issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Submitted this complaint with CFPB against Elan Financial Services for deception. They need to update their policy and make it clearer.

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 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I hereby demand that DIRECT LOANS update all reports as discharged, paid in full XXXX has failed to provide any proof or counterclaim evidence that I owe this alleged debt XXXX is operating illegally and unlawfully. 
XXXX will proceed to issue an order to compel arbitration and seek compensating damages Please Be Advised XXXX requests to speak to the underwrite of DIRECT LOANS. 
Further XXXX XXXX Not XX/XX/2025 The United States Supreme Court in XXXX XXXX XXXX XXXX XXXX, declared all forms of fiat currency null and void. The ruling purportedly entered on XX/XX/2025 declared the " foundational practices of modern banking and credit are inherently fraudulent. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the reporting of my payment history to the credit bureaus ( XXXX, TransUnion, and XXXX ). 

I have consistently made on-time payments on my accounts, including my loan with XXXX, XXXX, and my credit cards. However, it appears that my payment history is not being accurately reflected on my credit reports, and as a result, my credit score has not increased as expected. 

If necessary, I am happy to provide documentation, such as payment confirmations, to assist with resolving this matter. 


Thank you for your attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
late payment is incorrectly reported, in accordance with XXXX U.S.C. XXXX I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX : XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
late payment is incorrectly reported, in accordance with XXXX U.S.C. XXXX I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX 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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I placed a check deposit into my account via Regions bank app on XX/XX/XXXX. Typically my check would be deposited the next day. I had been making online payments with the assumption that my check was successfully deposited. Ive never been granted to ability to spend over {$200.00} on a account in the negatives, this was problem # 1. 

The following Wednesday I went to make a online purchase and my card was declined which is how I found out that my account was in over draft because the check never went through the system. I had two draft fees, one for XXXX and another pending for {$100.00}. I was guided to call back the next day to see if I could get the my fees waived once posted. I spoke with a online banker Thursday on XX/XX/XXXX who agreed to waive my bank overdraft for XXXX. When I advised her I have always had notifications set to come to my phone/email for situations like this so that I would never find myself in thie situation but I never received any alerts, she transferred me to the tech department to figure out why I was never notified. 

The technician checked my account and there was nothing in the system showing any information in relations to my account alerts, there was no phone number or email showing up in her system, she couldnt see anything relating to when alerts were on, whether or not they had been turned off, nothing. I looked into my app and there was absolutely nothing showing in my alerts set up. It was as if my app had started completely over. I asked if this couldve occurred when I did a app update and she couldnt answer that. She suggested for me to create alerts in the system all over again so that I would receive them. I told her I have emails and texts showing that at one point I was receiving alerts from Regions and in no way would I have ever turned them off. When I asked about being refunded the last fee she told me to go to a brick and mortar for help. 

XX/XX/XXXX I went to the bank and the banker told me that they had refunded me all that the bank will allow. When I told him that there was obviously some sort of issue in the system that prevented me from receiving any updates that would have allowed me the opportunity to handle the over draft in a timely manner or in the very least not have made any purchases and resubmit the checks, they told me they just have no ability to refund me the additional {$36.00}. 
When I asked the gentleman so youre telling me even if the mistake is on you alls end, you all would essentially be receiving free money from me on a mistake on your companies behalf his response was, Im sorry but, YES!

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX Under dispute with Experian XXXX XXXX Under dispute credit report is on high security alert due to data breaches

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 2025-01-25 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: TX

Complaint narrative:
XXXX, XXXX, nor transunion can provide me proof of any of my disputes, the creditors are reporting late payments for charge off and collection

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 2025-01-25 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: TX

Complaint narrative:
equifax, XXXX XXXX XXXX can provide me proof of any of my disputes, the creditors are reporting late payments for charge off and collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a sale date for our property on XX/XX/25 from PHH Mortgage on XX/XX/25.. I applied for a loan modification on XX/XX/25. I was denied the loan modification on XX/XX/25. I appealed the loan modification denial on XX/XX/25. Tell them that during the loan modification review & time to appeal, PHH Mortgage was supposed to postpone the property sale date set for XX/XX/25. But they haven't postponed the sale date, which is a dual tracking violation under California laws.

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions are settled with insufficient balances 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