vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX AUTO XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-02-01 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: MI

Complaint narrative:
Money was available to spend in my account navy federal did not take the money out of my available balance until the transaction posted sending my account into negatives and causing late fee when the money should not have been available the money for those transactions should have been taken in the pending process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX has been harassing me about an auto loan that has absolutely isn't mines I have taken several different steps of communication with the company, but they insist on trying to retrieve monetary profits. ( {$19000.00} ) to be exact now I am taking XXXX! on this manner filing a complaint. It has been an ongoing issue for the few years and they will not budge.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: PA

Complaint narrative:
Dear Afni, I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. I am writing to request the validity of this debt and your authority to collect it. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive clear and comprehensive evidence that substantiates the existence of the debt and your right to collect it in writing. To clarify, I am specifically requesting the following : 1 ) A copy of the original contract or agreement that verifies my obligation to pay this debt, including any terms and conditions that I agreed to. 2 ) A detailed breakdown of the charges, including the monthly service fees, late payment fees, and any other charges that have contributed to the total amount claimed. 3 ) Proof that the debt is within the statute of limitations for collection in my state, as I believe this may be relevant to my dispute. 4 ) Documentation that confirms your authority to collect this debt on behalf of XXXX XXXX, including any assignment of debt documentation. As I previously mentioned, I do not acknowledge this debt, and I request that all collection activities cease until I receive the requested validation. Additionally, please note that any further attempts to collect on this debt without proper validation may be considered a violation of the FDCPA. I appreciate your attention to this matter and expect a prompt response within 30 days, as mandated by the FDCPA. Please send the requested information to my address listed above. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I wrote and mailed a certified letter to request verification of the debt referenced in your records. On XX/XX/year>, I reached out regarding this matter ; however, I have yet to receive any formal verification of the debt in question. 

As I have not received any substantiating documentation, I am requesting that this debt be removed from my credit report. Failure to provide verification within the time frame allowed by law will compel me to take further action. 

Please treat this matter with urgency and provide a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
Subject : Formal Dispute of Unverified Debt Reporting and Unlawful Collection Practices To Whom It May Concern, I, XXXX XXXX, am formally disputing the collection account your company has reported to my consumer credit report. Your agency has failed to comply with multiple federal laws governing debt collection and credit reporting, including but not limited to : 1. Failure to Provide Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information about the alleged debt. Your agency has not furnished the necessary documentation before placing this account on my credit report.

2. Denial of Right to Dispute As outlined in 12 CFR 1006.34 ( c ) ( 4 ), I must be given a reasonable opportunity to dispute the validity of the debt before any collection activities or credit reporting take place. Your failure to provide this right is a direct violation of federal law. 
3. Use of False, Misleading, or Deceptive Means Your agencys actions violate my consumer rights by engaging in deceptive practices. Reporting an alleged debt without proper validation, along with failing to provide the required disclosures, constitutes misleading and unfair collection tactics.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), a debt collector must ensure all disclosures and legal requirements are met before reporting an account to a consumer reporting agency. Your agency has not met these obligations and therefore lacks the authority to report this account to any credit bureau. 
5. XXXX and XXXX Calls The Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC 1692d ] prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct, including the use of threats and repeated phone calls. If your company has been making excessive or threatening calls to me regarding this disputed debt, you are in further violation of federal law. 

Given these violations, I demand : The immediate removal of this unverified and improperly reported collection account from my consumer credit report. 
A cease and desist of any XXXX and XXXX calls made to me regarding this account. 
Written confirmation of the accounts deletion within 30 days of receipt of this letter. 

Failure to comply with these demands will result in legal action against your company for violating federal consumer protection laws. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if this matter is not resolved promptly. 

This letter serves as a formal dispute, request for validation, and demand for corrective action. I expect a written response addressing these concerns immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
About XXXX days ago I was going over my financials so I could file my taxes. In the mist of it I noticed XXXX transactions that werent authorized so of course I call to dispute them. Not even a full XXXX hrs later the claim was denied and my account was restricted. XX/XX/XXXX is here I have a XXXX week old newborn and no access to my money for food or rent. XXXX keeps giving me the run around and ABSOLUTELY NO answers. All they keep saying is oh XXXX so sorry I understand your frustration. And all of a sudden my account is being closed and again with NO explanation or reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2025, I received XXXX e-mail notifications from American Express of charges that I had not initiated on my credit card ( {$210.00} and {$820.00}, both to XXXX XXXX PURCHASE ). Within minutes of receiving the notification, I called the number on the back of my card ( the card is in my possession ) to report that I had not made these charges. I also placed a freeze on my account to ensure no further charges would be able to get through. American Express did agree to cancel my card and issue me a new card/number -- however, it took some time to convince the person on the phone that I had not made the charges and some of the statements that were made were not helpful ( " we would hate for you to jeopardize the long relationship you have had with American Express XXXX XXXX. 

Subsequently, I got e-mail notifications ( due to freezing the account ) that there were at least XXXX other attempts to use the cancelled number on XX/XX/XXXX and XX/XX/XXXX. I have called American Express XXXX times ( twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to report the original and subsequent fraudulent attempts and to request that the {$210.00} and {$820.00} charges be marked as fraudulent. I also sent a letter on XX/XX/XXXX ( see attachment ) making this request. The customer service representatives I talked to on the phone have told me that the charges are being investigated and could take up to XXXX days, and they would request written confirmation of the disputed charges. They have assured me that I do not have to pay the disputed charges -- however, those charges are still listed on my statement, and my attempts to dispute them through my online American Express account were rejected. Therefore, I would be more comfortable receiving something in writing. So far, I have heard nothing on the progress of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
On XX/XX/XXXX I sent a round of disputes to Experian based of inaccurate information being reported to my credit report. I sent in XXXX forms of proof including state drivers license passport and utility bill showing that i was initiating the dispute. On XX/XX/XXXX I received a response stating that they received a suspicious correspondence and they will not be initiating my dispute nor will they be responding to additional notices. In XXXX of XXXX i received similar correspondence and called the bureau to confirm the disputes were from me. Experian consistently sends stall letters as a refusal to investigate my report. I called again after receiving this letter on XX/XX/XXXX and was unable to speak to an agent due to extensive hold times. This is unfair to me as an individual as well as illegal as they have an obligation to investigate my 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 2025-02-01 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: SC

Complaint narrative:
I recently reviewed my credit report on XX/XX/XXXX and found that I still have accounts reporting on my credit report fraudulently. The XXXX XXXX XXXX account # XXXX, opened XX/XX/XXXX XXXX {$1300.00} has been previously disputed through Experian and XXXX personally. I have reason to believe investigations conducted have not been thoroughly conducted as only the balances on the debts have been updated and no validity of the debt has ever been produced by debt collection agency or credit reporting agency.Upon sending a letter to verify what debts that I allegedly owe, the address presented on all XXXX credit reporting agencies is a fictitious address as this company is just a sub corporation attempting to collect a debt for XXXX XXXX. There is now a XXXX XXXX account # XXXX opened XX/XX/XXXX XXXX {$2000.00} reporting fraudulently as well via same company. XXXX Account XXXX has recently been placed on my credit report balance {$530.00} and have never notified or communicated of any debt what so ever. These accounts are in violation of the FCRA and is a violation of 15 USC 1692g in particular. Please ( RE ) investigate these accounts as they are hindering my ability to obtain credit. These accounts violate the FCRA are subject to {$1000.00} per violation as well damages accrued in the process of insuring my credit report has been reporting fair and accurately for several months now. Attached is evidence of Experian removing the deleted Resurgence account and replacing it with the XXXX account with the false address.These damages would certainly fall under 15 USC 1692d with both debt collection agency and credit reporting agency being liable

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 2025-02-01 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: NC

Complaint narrative:
XX/XX/year>2024, I sent in a dispute packet to all three credit bureaus with a statement about the identity theft I am suffering from and a copy of my credit report from all three credit bureaus and a copy of my license and social security card and a copy of an FTC report and Police report. I sent in a demand to comply letter 30 days later and I still have yet to hear from these companies. I demand these inaccurate fraudulent accounts be removed immediately from my credit report being that I am an identity theft victim. My life has been in shambles because of these discrepancies. I have them well over 30 days before contacting this agency. The only response I get from Experian are emails saying it has been such and such days since your dispute, but the days are always mixed up and appear less times than when I actually sent it then the number will change in a different direction, but all does not make sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
XX/XX/year>2024, I sent in a dispute packet to all three credit bureaus with a statement about the identity theft I am suffering from and a copy of my credit report from all three credit bureaus and a copy of my license and social security card and a copy of an FTC report and Police report. I sent in a demand to comply letter 30 days later and I still have yet to hear from these companies. I demand these inaccurate fraudulent accounts be removed immediately from my credit report being that I am an identity theft victim. My life has been in shambles because of these discrepancies. I have them well over 30 days before contacting this agency. The only response I get from Experian are emails saying it has been such and such days since your dispute, but the days are always mixed up and appear less times than when I actually sent it then the number will change in a different direction, but all does not make sense!

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

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 available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX ach fraudulent withdrawals XXXX $ XXXX charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OH

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 non-monetary relief