vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, XXXX, and Experian for Account : XXXX XXXX  ( Account # XXXX ) Specifically, XXXX is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. 

These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to 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 2025-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: TX

Complaint narrative:
In 2023 my information was stolen was lost and stolen someone use my information to collect money through cash app I called Cash app I reported it {$200.00} and more dollars will take it out of my account cash I close my account and still have not open it and refused to pay me my money that was stolen I made a complaint several times but still to no avail does Cash out wants to open my account they have my account Frozen and still have not paid me the money that was stolen I've explained this now I found out that someone has used my cash app information use my identity information and I have a 1099 form someone has a company a business and a tax identification number all this information will send to my address I have that as proof I don't have a company I don't have a business and I wish this to be settled and I wish for cash app to pay me it's been 2 years almost in cash I still have my account Frozen because of illegal gambling or because of someone use my account with without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Request for Removal of Outdated Address from My Credit Report Dear Experian, XXXX, XXXX I am writing to formally request the removal of an outdated address from my credit report. The address in question, [ XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX ], that address is associate with a family member i never lived there, as I have since updated my residence with the creditor they stated it is not on file my correct address is [ XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX ]. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of information are required to provide accurate and up-to-date information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Continuing to report outdated or incorrect personal information, such as an old address, constitutes a violation of this obligation. 

To assist in verifying my identity and to help you update your records, I have included the following documents : 1. A copy of my government-issued ID showing my current address. 


2. A recent utility bill or other official document as proof of my current residence. 



I kindly request that you : 1. Immediately cease reporting the outdated address to the credit reporting agencies. 


2. Update my personal information in your records and provide confirmation of the changes made. 



Failure to comply with the FCRA can result in liability for damages, as well as statutory penalties. Please consider this letter as formal notice to address this matter promptly. 

I request confirmation in writing that the outdated address has been removed from your records and that this information has been updated with all relevant credit reporting agencies. 

Thank you for your prompt attention to this matter. If you require additional information or documentation. 

Sincerely, [ 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 2025-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
A fair resolution to this issue would be : Full Refund of the Disputed Amounts : Refund the total amount of {$1300.00}, covering the following transactions made for legal services that were not provided as promised : XX/XX/year> : {$50.00} XX/XX/year> : {$280.00} XX/XX/year> : {$1000.00} Detailed Explanation of Denial : Provide a comprehensive explanation for why my dispute was denied, including the evidence or criteria that Capital One used to make its decision. 

Reinvestigation of the Dispute : Reopen my dispute and conduct a thorough investigation, reviewing the documentation I provided that clearly shows the lawyer failed to deliver the agreed-upon services. 

This resolution would not only rectify the financial loss I suffered but also ensure Capital One upholds its obligations under the Fair Credit Billing Act ( FCBA ) to protect customers in cases involving services that were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AR

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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions 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
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This school is not accredited and is not recognized with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to trans union, XXXX and XXXX regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This school is not accredited and is not recognized with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to XXXX XXXX XXXXXXXX and equifax regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This school is not accredited and is not recognized with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to XXXX XXXX, Experian and XXXX regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.

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 2025-01-26 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: PA

Complaint narrative:
in my efforts to fix my credit report, i came across the CFPB Experian lawsuit.

i feel i was negativity impacted, hurting my chances of improving my credit score after receiving a response to my earlier dispute that the accounts was " verified ''. 

i am requesting immediate deletion of this account with XXXX for they have not provided information into that account

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 2025-01-26 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:
I am submitting this complaint against Equifax for their continued reporting of account XXXX, associated with XXXX XXXX, despite their claim that the account was not reporting on my credit file as stated in their response to CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this account is still present on my Equifax credit report, as evidenced by the attached documentation, including the credit report and Equifax 's previous correspondence. This account has been removed by both XXXX and XXXX, further demonstrating its inaccuracy. Equifax 's failure to delete this account constitutes negligence and a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and integrity of information. Furthermore, the entity in question, XXXX XXXX XXXX, has a documented history of consumer protection violations and penalties. Refer to the following resources for detailed information : XXXX XXXX XXXX XXXX XXXX XXXX These records clearly show a pattern of misconduct by XXXX XXXX, which underscores the need for heightened scrutiny and accountability when reporting their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit profile was reported improperly resulting in improper usage of my credit profile and causing damage and discrimination to my businness affairs and credit profile being harmed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit profile was reported improperly resulting in improper usage of my credit profile and causing damage and discrimination to my businness affairs and credit profile being harmed..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I am filing this complaint against the credit reporting agencies ( CRAs ) for their continued reporting of account XXXXXXXX XXXX XXXX XXXX which is past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ). I have sent multiple dispute letters to no avail. My last dispute letter sent over 45 days ago which is dated and time stamped is attached. 

Under the FCRA, an account must be removed from a credit report seven years after the date of first delinquency ( DOFD ). Despite this clear regulation, the CRAs continue to report this account beyond the allowable timeframe. Furthermore, the CRAs are reporting inaccurate information, including : Date of First Delinquency ( DOFD ) : The date being reported is incorrect, which is instrumental in determining the account 's removal. 
Date Last Active : This date is also being inaccurately reported, which affects the account 's status and validity.

These inaccuracies violate my rights under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which requires the exclusion of outdated accounts, and 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports.

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 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint against the credit reporting agencies ( CRAs ) for their continued reporting of account XXXX by XXXX XXXX which is past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ). I have sent multiple dispute letters to no avail. My last dispute letter sent over 45 days ago which is dated and time stamped is attached.

Under the FCRA, an account must be removed from a credit report seven years after the date of first delinquency ( DOFD ). Despite this clear regulation, the CRAs continue to report this account beyond the allowable timeframe. Furthermore, the CRAs are reporting inaccurate information, including : Date of First Delinquency ( DOFD ) : The date being reported is incorrect, which is instrumental in determining the account 's removal.

Date Last Active : This date is also being inaccurately reported, which affects the account 's status and validity.

These inaccuracies violate my rights under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which requires the exclusion of outdated
accounts, and 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports.

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 2025-01-26 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: IN

Complaint narrative:
I had an auto loan through XXXX XXXX XXXX XXXX XXXX, but the vehicle became undrivable. To settle the account and have it removed from my credit report, I worked with XXXX XXXX XXXX, XXXX, which helped me negotiate a settlement of {$5500.00}. This payment was made on XX/XX/year>. 

Afterward, I contacted XXXXXXXX XXXX XXXX to inquire about removing the account from my credit report, but they refused to provide any timeline or information. Since this issue prevents me from purchasing another vehicle, I filed a dispute with XXXX on XX/XX/year>, attaching the settlement receipt and satisfaction of judgment. XXXX closed the investigation on XX/XX/year>, without updating my credit report. 

I filed a second dispute with XXXX on XX/XX/year>, including the previous documents and an emailed statement from XXXX XXXX XXXX confirming a {$0.00} balance. However, XXXX closed this investigation on XX/XX/year>, again without updating my report. 

Since then, Ive received court documentation confirming the case is satisfied and an email from XXXXXXXX XXXX XXXX stating the payment was made, yet the account remains unchanged on my credit report. This is critical, as I can not proceed with purchasing a new vehicle until the account is updated.

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 2025-01-26 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: IN

Complaint narrative:
I had an auto loan through XXXX XXXX XXXX XXXX XXXX, but the vehicle became undrivable. To settle the account and have it removed from my credit report, I worked with XXXX XXXX XXXX, XXXX, which helped me negotiate a settlement of {$5500.00}. This payment was made on XX/XX/year>. 

Afterward, I contacted XXXXXXXX XXXX XXXX  to inquire about removing the account from my credit report, but they refused to provide any timeline or information. Since this issue prevents me from purchasing another vehicle, I filed a dispute with XXXX on XX/XX/year>, attaching the settlement receipt and satisfaction of judgment. XXXX closed the investigation on XX/XX/year>, without updating my credit report. 

I filed a second dispute with XXXX on XX/XX/year>, including the previous documents and an emailed statement from XXXX XXXX XXXX confirming a {$0.00} balance. However, XXXX closed this investigation on XX/XX/year>, again without updating my report. 

Since then, Ive received court documentation confirming the case is satisfied and an email from XXXXXXXX XXXX XXXX stating the payment was made, yet the account remains unchanged on my credit report. This is critical, as I can not proceed with purchasing a new vehicle until the account is updated.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was told that they keep track on everything cash app so it would be in history me trying to get money that was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 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