vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding Cash Apps failure to provide adequate customer support and its unfair handling of consumer disputes. I have encountered multiple issues with Cash Apps dispute process in both XXXX and XXXX, resulting in financial losses due to their inadequate resolution system. 

1st Incident Fraudulent Wig Vendor ( XXXX ) I purchased a wig from a vendor who falsely advertised high-quality wigs but instead sent me costume wigs.The vendor refused to issue a refund, so I disputed the charge with Cash App. 

Cash App denied my dispute without providing a clear reason, and I was only able to communicate via emailthere were no live representatives available to assist me. I lost {$100.00} despite clear evidence of fraud. 


2nd Incident PA Lottery Double Charge ( XX/XX/XXXX ) I was charged twice by a Pennsylvania Lottery machine due to an error involving Cash App. 

I filed a dispute with Cash App, but they denied my claim without proper investigation.Once again, I could only communicate via email, which made it difficult to fully explain the issue.PA Lottery customer service confirmed the error and refunded me the {$31.00}, expressing shock that Cash App refused to assist me. 

My Consumer Protection Concerns : Lack of Live Customer Support : Cash App does not offer live customer service representatives, forcing consumers to rely on ineffective email communication. 

Unfair Dispute Resolution : Cash App denies disputes without thorough investigations, leaving consumers without proper recourse. 
Failure to Protect Consumers : If I had access to live support, I could have explained my disputes better and possibly received the appropriate refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion Consumer Relations, I am following up regarding my fraud block request related to XXXXXXXX XXXX I appreciate your investigation, but I would like further clarification on your decision. 

Verification Proof : You have not provided any documentation or verification proving that this account is legitimately associated with me. Please provide the specific verification details used in your investigation. 

Account Specificity : You did not specify which XXXXXXXX XXXX account you are referring to. I am listed as an authorized user on a XXXXXXXX XXXX  account opened on XX/XX/year>, with a {$5000.00} credit limit ; however, this is not my account. 

FCRA Compliance : As per the Fair Credit Reporting Act ( FCRA ), I request the exact reason why this account can not be blocked and demand supporting documentation used to reach this conclusion.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion Consumer Relations, I am following up regarding my fraud block request related to XXXXXXXX XXXX I appreciate your investigation, but I would like further clarification on your decision. 

Verification Proof : You have not provided any documentation or verification proving that this account is legitimately associated with me. Please provide the specific verification details used in your investigation. 

Account Specificity : You did not specify which XXXXXXXX XXXX account you are referring to. I am listed as an authorized user on a XXXXXXXX XXXX  account opened on XX/XX/year>, with a {$5000.00} credit limit ; however, this is not my account. 

FCRA Compliance : As per the Fair Credit Reporting Act ( FCRA ), I request the exact reason why this account can not be blocked and demand supporting documentation used to reach this conclusion.

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 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX I received a letter from XXXX XXXX XXXX XXXX about a debt to Capital One. On XXXX, i received a letter from XXXX and XXXX XXXX about the same capital one debt. On XX/XX/XXXX I sent both collectors a letter by certified mail asking for : Please provide a signed copy of the purchase agreement between you and Capital One showing the amount your paid for the debt, all terms and conditions and the statement from Capital One guaranteeing the accuracy of any documents the provided to you. 

I asked the previous Debt Collectors to cease all communications but revied a letter from one the same days as yours offering to settle for half. I am requesting the purchase agreement in preparation for a lawsuit against Capital One and the other Debt Collector. 

On XXXX, I was notified by mail from Open law that XXXX and XXXX has filed suit in smalls claims court in XXXX XXXX XXXX XXXX 

Under FCRA, they should stop all collection efforts until this was resolved. 

I challenge their authority to collect and file the lawsuit as I don't know who is the right debt collector and without the requested information, they can't prove they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX XXXX Card Account Number XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Late Payment XXXX to XXXXXXXX XXXX XXXX Account Nunber # XXXX ( XXXX ) - 30 Day Late Payment XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX ( XXXX ) - 30 Day Late Payment XXXX to 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 2025-02-09 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 recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these reports, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. DELETE ASAP NOT RESPONSIBLE FOR LATE PAYMENTS ETC

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 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX stated that I had their services, I never had XXXX XXXX there trying to make me pay {$890.00} the address that is associated with this account Ive never had XXXX XXXX there and it is effecting my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I was trying to refinance a vehicle that I am currently financing through American Honda Finance to a credit union and my credit report was not showing my history for the vehicle I was financing as a cosigner for four years. 

This vehicle currently has an outstanding balance that I would like to refinance to get a lower interest rate considering I have paid four years with AHFC to improve my credit with the major purchase. 

I contacted American Honda Finance to ask why my credit was not reporting to credit bureaus and they responded with an email documentation stating that the trade line for my account was deleted and is no longer reporting with one or more of the major credit bureaus ( XXXX, XXXX and XXXX ). AHFC is updating some of its systems which resulted in the credit bureaus deleting certain accounts impacted by the systems update, my account being one of many.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
Credit Dispute Timeline Summary for CFPB Complaint : Initial Dispute ( XX/XX/XXXX ) : Disputed XXXX accounts with the credit bureau. 
No consistent or adequate responses received, violating the 30-day response window mandated by the Fair Credit Reporting Act ( FCRA ). 
Follow-Up Dispute ( XX/XX/XXXX ) : Submitted a dispute with 6 months ' worth of previous dispute letters. 
These letters documented repeated requests for the credit bureau to conduct a reasonable investigation and to provide responses under consumer law. 
Consumer Law Violations Noted in Disputes : Failure to Conduct Reasonable Reinvestigation ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) : Requested verification of disputed accounts and proof of reinvestigation, but the credit bureau failed to provide evidence of any reasonable investigation, including verification with the furnishers and contacting relevant parties. 
Failure to Notify Furnishers of the Dispute ( 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ) : No proof was provided that the furnisher was notified of the dispute within the required 5 business days, violating the statutory requirement for notifying the furnisher of a dispute. 
Failure to Provide Verification or Delete Inaccurate Information ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ) : Disputed accounts remain on the credit report despite being inaccurate and unverified. The credit bureau failed to delete or modify inaccurate information as required by law. 
Damaging Inaccurate and Incomplete Information ( 15 U.S. Code 1681e ( b ) ) : The continued reporting of unverifiable and inaccurate accounts is damaging the my credit score, hindering access to credit, loans, and services. This violates the requirement for " maximum possible accuracy '' in consumer reports.

Request for Detailed Procedures ( CFPB Consumer Rights Website ) : Requested specific details on how the credit bureau conducted their investigation, including timelines and procedures, as required under the FCRA and noted on the CFPBs consumer rights website. There has been no response regarding these procedures. 
Summary : The credit bureau has repeatedly failed to meet the legal requirements for handling disputes under the FCRA, causing lasting damage to the consumer 's credit and financial reputation. Despite numerous attempts to resolve the issue and clear inaccuracies.

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 2025-02-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX after reviewing My TransUnion credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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.

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 2025-02-09 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: CA

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( CFPB Complaint # XXXX ) and XX/XX/XXXX ( CFPB Complaint # XXXX ), I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ), proof of address, social, and a government-issued ID. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My information was leaked in the data breach that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have not verified or wet signature either of the following hard inquiries thats reporting on my credit. I have reached out to these companies and they have no knowledge of who I am. Im not sure whats going on and my credit bureaus are no help I have constantly been on the phone trying to remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have not verified or wet signature either of the following hard inquiries thats reporting on my credit. I have reached out to these companies and they have no knowledge of who I am. Im not sure whats going on and my credit bureaus are no help I have constantly been on the phone trying to remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I do not recall the exact date, but a call was made after acquiring {$100.00} of interest fees on top of the monthly amount I was already paying. I have not made any recent purchases with the card, yet the balance remains the same. I have made multiple payments a month and still have fees taken out. When I called and complained about the issue, I was met with a response of you should have read the packet. I explained I did not originally inquire about this company as they began sending advertisements to my home. This can be seen as misleading and with no resolution to lower the amount of fees to fit personal finance situations. I feel stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Zip Co US Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding my recent XXXX XXXX. 

I have contacted Zip regarding potential fraudulent activity associated with this booking and have not received a response. Additionally, my communications with XXXX, XXXX, and XXXX have been unhelpful and unrelated to my complaint. XXXX XXXX  most recent response indicated that there is no timeframe for resolution. I am also disappointed that no one from Zip has contacted me directly to discuss this matter. 

I booked a room through Zip and checked in toa hotel shortly after midnight on Saturday, XX/XX/XXXX, for a three-night stay in two prepaid rooms. Upon seeing the condition of the room, I immediately canceled both rooms and checked out that same day. The front desk attendant informed me of a {$100.00} incidental fee, and after providing my card, I discovered they had charged a total of {$710.00}. I spoke with XXXX, another hotel employee, a few hours later to confirm the cancellation and my departure. 

I have contacted XXXX multiple times regarding the hotel 's unacceptable conditions and the theft that occurred, but I have not received any response. I was only refunded for two of the three nights I had booked, despite not staying a full day. XXXX still owes me {$260.00}. I have even reached out to XXXX XXXX, XXXX XXXX of the XXXX, but have not received any assistance. 

I am requesting a full refund for the remaining night of my reservation. I kindly urge you to investigate this matter promptly and respond to my complaint as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

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