vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I hope this reaches you well. I am requesting that the enforcement of deletion of items on my credit report from Experian be removed as instructed by law. It is obviously, with the lawsuit in progress, that Experian has not been operating in the best interest of the consumer. In doing that has caused great damage to my personal well being by not providing an accurate credit profile for myself and others. The following violation have been violated : 15 USC 1681i ( a ) ; 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B. 
The following items fall under the previously mentioned violations : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$350.00} ; {$1100.00} XXXX XXXX  {$710.00} XXXX XXXX {$440.00} Thank you for your Dedication to what is right, 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 2025-01-22 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I've been a member of both XXXX XXXX XXXX XXXX and USAA since or before XXXX  and have been charged numerous overdraft/NSF fees due to XXXX XXXX deposits not positing immediately. I would XXXX XXXX or XXXX  money from another one of my accounts the companies would post the deposit by the end of the business day allowing other transactions to post before the deposit on the same business day causing fees. I've asked about the weird unethical business practice and was told there were no posting errors. I've also watched debit card transactions go through whenever I did not have the funds in my account without authorization. I believe these companies have taken advantage of me and several other consumers and should be investigated and fees refunded!

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by TransUnion on my consumer report, specifically regarding a XXXX XXXX XXXX identified as XXXX  XXXX Reference # XXXX, allegedly filed on XX/XX/year>. This information is incorrect and should not be reported on my file. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681 ( a ) ( 4 ), consumer reports play a vital role in determining eligibility for credit and employment. Therefore, it is critical that the information contained in these reports is accurate. TransUnion 's reporting of an erroneous XXXX  undermines this principle and directly impacts my financial opportunities. The presence of this XXXX, which I dispute, demonstrates that TransUnion has failed to uphold the maximum possible accuracy. Furthermore, under 15 U.S. Code 1681i ( a ), I have the right to dispute inaccuracies, and TransUnion is obligated to conduct a reasonable reinvestigation. TransUnions actionsor lack thereofmay constitute willful noncompliance with the FCRA, as outlined in 15 U.S. Code 1681n. This provision imposes liability for willfully failing to comply with the requirements of the FCRA, including punitive damages. Alternatively, if the noncompliance is due to negligence, TransUnion may be liable under 15 U.S. Code 1681o, which provides for actual damages and attorney fees resulting from negligent violations.

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 2025-01-22 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: CA

Complaint narrative:
XXXXSubject : Formal Dispute and Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) ** This letter serves as my formal demand for TransUnion to immediately comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my repeated disputes regarding unauthorized charges on my XXXX XXXX  account and my submission of a **police report**, TransUnion has failed to follow federal law and continues to report inaccurate, fraudulent information on my credit file.

Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, you are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute. Additionally, pursuant to **15 U.S.C. 1681c-2**, once provided with a police report regarding fraudulent charges on an account, you are **required to block the fraudulent information. ** Your failure to take action constitutes a clear violation of federal law and the Consumer Financial Protection Bureau ( CFPB ) regulations. Due to your continued noncompliance, I am formally requesting that the CFPB investigate TransUnions failure to adhere to federal credit reporting laws and impose significant fines for your repeated and willful violations. I expect your immediate action to remove the unauthorized charges and to provide written confirmation within **15 days** Under **15 U.S.C. 1681n and 1681o**, TransUnion is liable for willful and negligent noncompliance, and I am fully prepared to take legal action to recover damages, including statutory and punitive damages. If you fail to comply, I will escalate this matter further by submitting an additional complaint to the CFPB and other regulatory authorities, urging them to impose substantial penalties for your disregard of federal law. 
I expect your prompt attention and resolution of this matter. 
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 2025-01-22 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I recently came across an error in my credit report that seems inconsistent with my personal records. It is important to me that my credit report accurately reflects my financial activities and standing. I kindly request a thorough review of the report to identify and resolve any discrepancies. Thank you for your attention to this matterit is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking over my credit report and found fraudulent items there. I have never applied for such cards. Please investigate the situation because the scammers have all my info. XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
15 USC 1692 validation of debts. I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the accounts high balance. Nor do i recognize the late payment associated with it. Everything reported here does not meet the FCRA.

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 2025-01-22 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: NJ

Complaint narrative:
Hello, I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This home security never worked and wasn't properly installed. They wanted to charge me extra for a technician to come fix the problem. I also started to receive false charges on a service that never worked. I've disputed several times with the credit agencies and it continues to report. This debt was sold to several collection agencies over the years. I've received threatening and abusive phone calls, and paid the debt through XXXX XXXX XXXX on XX/XX/year>, as shown by the attached receipt. I contacted XXXX on several occassions asking for the 1099c and never received it. The debt was sold and charged off, but without sending me the required 1099c. It should be removed from my credit report, especially since it's been paid. At this point, I'm looking into joining the class action lawsuit against them.

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 2025-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing complaint against XXXX as part of the court case brought against them by CFPB. Old information reappearing after I had it removed. allowed previously deleted inaccuracies to be reinserted into credit reports with disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
On XXXX XXXX i notify XXXX XXXX XXXX XXXX of violating the fair credit reporting Act..

After nearly 1 year of back and forth of reporting litigation inaccurate fraudulent accounts/ closed and charges off accounts that werent mines/ Deliberately misleading me on Fake falsify verified information / and investigation that never happen according to consumer credit protection act 15usc 1601 - 15 usc 1693 r Fair credit reporting act 15 usc 1681 I sent police reports/ certify mail These agencies has caused stress lose of lively hood XXXX report # XXXX Data beach report # all my information was compromised by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 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: TX

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 2025-01-22 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I took out two Fixed Rate HELOCs from Figure lending in XXXX. After COVID I had to file bankruptcy ( I kept my home ) my accounts were transferred to XXXX XXXX XXXX then they were transferred to Shellpoint and this is where is all begins. They refuse to acknowledge that these were FIXED RATE loans at origination. Nothing has changed to make them anything else but what they were originally. They have changed my interest rate and increased my payments. This has become a financial hardship for me. I have asked them numerous times to explain why this is happening as these were FIXED rate loans. The first woman I spoke with ( XXXX ) said she indeed see original paperwork showing fixed rate loans and would send to the appropriate department and it would be resolved in 5 days ( That was on XX/XX/XXXX ) after 5 days and no resolution I called again, this time I was told it would take 45 days and to make the higher payment and they would credit back the difference. After 45 days, nothing happened. My payment is still higher. Now the interest rate has returned to my original rate of 9.25 % ( they put me to 11.75 % ) but my payment has not returned to normal and I am getting a run around. Not that it matters to them, but I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX and them offering no help but a run around is absolutely insane that they can do this and give no answers. Their math does not make any sense. Any help is greatly appreciated!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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 ( XXXX ) 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 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