vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
I am filling a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. 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. These actions had caused significant inconvenience and financial losss 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer TransUnion and FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX - XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX Bank, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX - XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports, including inquiries from XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the issue persisted. The inquiry did not disappear after refreshing. I am extremely frustrated by this and urgently request a thorough review of the documents I submitted so I can finally have peace of mind.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: MO

Complaint narrative:
XX/XX/2023, I noticed a note on my TransUnion dashboard provided via XXXX XX/XX/XXXX that and authorized user had been added to my XXXXXX/XX/XXXX This is an error ( not created by me ) and from that time forward I have been struggling to get them to explain why this appeared and when I spoke with them they next dropped my score again and completely removed my XXXXXX/XX/XXXX from my credit report They will not explain or admit an error and in spite of multiple attempts by XXXX to confirm that I indeed am an authorized user and my XXXX should show on my credit report - TransUnion will not fix it. 
The other two credit reporting agencies have my information correct but TransUnion did not. This is their error not mine but they will not fix it. 

I filled a complaint and never heard back from CFPB or TransUnion until I looked on your website today. The original complaint is XXXX. 

I am a XXXX XXXX XXXX woman with 30+ years of on time payments on that XXXXXX/XX/XXXX and I don't have enough lifetime to get that back on another card. My husbands credit score is XXXX with virtually the same credit history including our XXXXXX/XX/XXXX. Is it because I am a woman and I lived through the time where women couldn't even get a credit card and lenders differed to the man not the woman in a joint borrowing situation. 
I am at a total loss. All I want is my credit score to be accurate and include my history.

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: KS

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: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXX

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 — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I was looking at my credit report and background checks my information is complete wrong I have been dealing with identity theft/fraud for years but now its really bad! My personal information that was in my home was robbed from me and unfortunately using my personal information against me I have a subscription with XXXX XXXX, Experian, I pulled my information from XXXX and saying my information is wrong by me putting in my date of birth and SSN please please help also my email address is being spamming with a different email address that I did not create. I put my phone number on this application please call to let me know if you can please assist me with fixing my problem

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have dispute a vehicle that is on my credit report that I didnt purchase. I asked for them to provide documentation of a contract with my name on it or the loan in which the person signed to compare my signature. Every request was denied and no documentation was provided. They stated it will take 2 years to investigate. I also asked for incorrect information as far as addresses be removed and other information that didnt belong to me. Nothing was resolved.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have dispute a vehicle that is on my credit report that I didnt purchase. I asked for them to provide documentation of a contract with my name on it or the loan in which the person signed to compare my signature. Every request was denied and no documentation was provided. They stated it will take 2 years to investigate. I also asked for incorrect information as far as addresses be removed and other information that didnt belong to me. Nothing was resolved.

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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXX - XXXX - {$4300.00} XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Report Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, to reinvestigate the XXXX, XXXX & XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any has reasonable cause to believe that the information is 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 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: MO

Complaint narrative:
I disputed a few items i seen on my credit report and they did not give me any information just responded back that the information was accurate

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment entries on my credit report XXXX XXXX XXXX XXXX  - {$260.00} XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year>2024,

I reached out via certified mail to dispute the account for the 2nd time. Since spring of 2024 this credit bureau has been violating my rights by continuously reporting an account negatively every month as a repossession even after I have provided them with proof that the car was paid for and redeemed from the finance company. They refuse to do their part and update the account accurately as current so It needs to be removed with no further delay.

The account in question would be XXXX XXXX Account # 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/scrub> 2024, I reached out via certified mail to dispute the account for the 2nd time. Since spring of 2024 this credit bureau has been violating my rights by continuously reporting an account negatively every month as a repossession even after I have provided them with proof that the car was paid for and redeemed from the finance company. They refuse to do their part and update the account accurately as current so It needs to be removed with no further delay.

The account in question would be XXXX XXXX Account # XXXX

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>2024, I reached out via certified mail to dispute the account for the 2nd time. Since spring of 2024 this credit bureau has been violating my rights by continuously reporting an account negatively every month as a repossession even after I have provided them with proof that the car was paid for and redeemed from the finance company. They refuse to do their part and update the account accurately as current so It needs to be removed with no further delay.

The account in question would be XXXX XXXX  Account # 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history

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: GA

Complaint narrative:
I am writing to inquire about a recent data breach. It was determined my personal information was impacted by this incident. reference number XXXX.

Company response to consumer: Closed with explanation