vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This company stole my identity. I do not have a contract with this company. Account states that XXXX XXXX XXXX is original credit, which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

US DEPT OF THE TREAS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yes, the company name is Cash app. They took money from me and I cant get it back. They gave me some number to call and the people wasnt real some automated number and each time you do what they say it bring you right back to the same number and they dont never handle the problem. They dont have nobody I can talk to about the situation and for the record, I would like to have my name on the list of the second round of the lawsuit that cash app is on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Date open XX/XX/XXXX Amount {$11000.00} past due. 

I do not live here! I broke my least back in XXXX and they still charging me and I dont live there nobody lives there. And I call up there & tell them to stop charging me if I dont live there because how can yall charge me rent if I broke my lease and nobody lives there. That amount is wrong too! I never owed yall I been payed my last rent & left. This place is a scam. Remove my information off this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Equifax admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. They refused to investigate that file for 2 years even while being requested to do so. Attached you will see the recent XXXX XXXX  account that was flagged as fraud and deleted yet Equifax evaluated the account as accurate. This has been the issue with XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax has refused to delete the fraudulent files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Forever 21 credit card company... I made my last and final payment in XXXX. Forever 21 has always received my payments on time and I always pay them off. I made my last payment on the due date. Later I received a late fee. When I called the company they stated they are in a different time zone ... .so I made the payment on the correct date but it was considered late. Myself and the teller went back and forth. Employee # XXXX told me he could waive the {$30.00}. Which left me at a XXXX balance, but instead of having a XXXX balance. The following month of XXXX I received a payment slip requesting {$62.00}. When calling Forever 21 representative XXXX said the previous representative gave me the wrong information. She informed me Forever 21 can only credit {$15.00} and there is nothing else they can do. So because the representative gave me the wrong information. He credit {$15.00}, I was then made delinquent for {$15.00}, then charges a additional late fee for not paying the {$15.00} difference that I was unaware of, because he said he would credit the {$30.00} initially. And now because of this my XXXX credit score has declined to the XXXX 's. This was extremely unfair!!!! Their employee should be trained better and should give out correct information. I am being penalized for his mistake. I have been a great customer and a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Further more, 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
XX/XX/year> payment of {$750.00} and never receive any update on my credit. Still dont have any disputes on my credit score. Lexington law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiries were not and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
I had contacted Discover to report fraud on my account last year. The employee who took my report apparently filed it as disputed charges and not fraud. Discover told me there was never fraud reported, so they just recently a few months ago started the fraud investigation. I was contacted by an investigator who asked me some questions and confirmed that the contact information and email address used to purchase items on the card did not belong to me. Shortly after, Discover denied my claim and placed the fraudulent charges back on my card. They simply wrote a letter that said that they determined there was no fraud. No reason, no evidence ( there was only evidence that there clearly was fraud when I spoke to the rep on the phone ) I need these fraudulent charges removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WI

Complaint narrative:
A letter was sent from my previous landlord telling me I owed money that I was being unfairly charged. They did not provide a due date for this money, they did not provide a way for me to pay this debt and they did not inform me that/when they would be sending my account to collections. I attempted to log in to my resident portal, but the account had already been locked, so I was unable to get in to make a payment.

I informed the collection agency of this unfair notification, and, after waiting for one month on dispute, they returned stating the information they had was valid, but provided no proof of this or explaination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 . I am request the reinsertion of corrected information on my credit report, following a recent dispute under 15 USC 1681i ( a ) ( 5 ) B, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 UCS 1681i ( a ) 1 consumer protection law, e.g., the Fair Credit Reporting Act ( FCRA ) in the U.S. ]. On XX/XX/XXXX, I disputed an item listed on my credit report with TransUnion, which was related to a charge-off from XXXX XXXX XXXX XXXX account number starting with XXXX balances of {$26000.00}. A charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report. I never received a 1099c form from the creditor. These accounts have resulted in fraudulent charge-off/write-off appearing on my consumer FICO credit report. 
A false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX a student loan account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number starting with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX account number starting with XXXX accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. After reviewing my dispute, TransUnion confirmed that the information was inaccurate or unverifiable, and it was subsequently removed from my credit report. 
However, I have reason to believe that the disputed information has been improperly reinserted onto my credit report without proper verification and notice, as required under Section 611 of the FCRA. As per the law, any information that is reinserted must be fully verified, and I have not received the proper documentation from TransUnion indicating that the information was properly reverified.

Given this, I request the removal of the reinserted item, in accordance with my rights under 15 USC 1681i ( a ) ( 5 ) B, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 UCS 1681i ( a ) 1. Please provide me with the appropriate documentation that proves the accuracy of the reinserted information.

Attached you will find all the needed documents so you can not say you can't verify me as that is the lie you always use when complaints are filed with you. Also I wont you to stop blocking me from seeing my credit report online from your website so I can't see what you are reporting. That is illegal for you to stop me from seeing my report, but adding fraudulent accounts to my consumer 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
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Regret to say instead of refunding funds the U.S. BANK said : To comply and meet regulatory guidelines, implementation of any policies or procedures does not occur without the most careful consideration. Our policies are designed to protect our customers, as well as ourselves, from unnecessary losses. At the same time U.S. BANK added few more best WORDS reading as " Please consider, since we are unable to verify the funds that were remaining in your account, we are unable to fulfill your request to have these funds returned to you. WHEREAS U.S. BANK 'S own Uni-Statement of my checking account ending in XXXX of XX/XX/XXXX very clearly showing starting Ending Balances from XX/XX/XXXX till XX/XX/XXXX. Oh yes too on XX/XX/XXXX at the time of closure of account outstanding remaing positive balance funds of {$1800.00} was not only taken out BUT have had VANISHED from the bank 's PREMISES soon after the WITHDRAWN instead of sending me CASHIER 'S Check evenafter I asked by FAX where is my MONEY but didn't taken little troubles for to respond. Yes asked U.S. BANK HOW AND UNDER WHAT CIRCUMSTANCES OFFICIALS OF YOUR U. S. BANK WAKEUP FROM FOOL 'S PARADISE after LAPSES OF VERY LONG PERIOD not only for to send me CASHIER 'S Check and to make phone call? Lastly let me say further here that NO ANY BANK OF WORLD IN GENERAL AND OF XXXX XXXX XXXXXXXX do the fraudulent practices and games in particularly similarly WHAT U.S. BANK committed both Civil and Criminal OFFENCES TOO there is a XXXX XXXX CASE AND TOO ALSO XXXX XXXX EVIDENCES AGAINST XXXX BANK.AS SUCH AND IT SHOULD NOW TO GO THE NEXT LEVEL. XXXX Bless XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Im filing a complaint against Cash app block ink due to inaccurate customer service unfair practices which violate the consumer financial protection act CLPA specifies, cash out, fail to take timely and effort measure to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected for the more their dispute resolution process was unfair and deceptive and they did not comply with error resolution requirements out of the electric federal transaction act EFTA in regulation E these actions have caused significant inconvenience if financial loss and I see appropriation redressing for the violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PREFERRED CREDIT INC
State: AL

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

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