vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information.

Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs )

have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 


Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC. 
o FTC Identity Theft Report Number : XXXX XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police 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 2025-02-04 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 need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-04 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month also according to 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 2025-02-04 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: COMMUNITY REINVESTMENT FUND
State: IL

Complaint narrative:
I reached out to XXXX XXXX XXXX I spoke with XXXX XXXX I stated to her that one of my workers fraudulently took a loan with my social security number I asked her to provide me validation of this loan she said that she couldn't provide me with a promissory note I signed furthermore XXXX XXXX XXXX is not the company who provided the funds for this fraudulent loan of XXXX but is reporting for XXXX opened XX/XX/year> Account # XXXX this is a clear violation of FCRA codes I need this account removed from XXXX as soon as possible also my info my be part of a data breach by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
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 2025-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an American Express gift card for {$250.00}. It is a virtual card and states can be used online or in stores. It is nearly impossible to use. I have tried several merchants without success and confirmed the transaction was declined on the American Express side. In calling, it was stated that the card was declined due to lack of inputting a security code, which was not correct. I have had multiple issues with this over years. An online search will confirm that this is a rampant consumer issue. 

I have spent significant time in phone trees and customer service with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
Im never using Chime Financial Mobile Banking again after this catastrophe. I am reaching out for help with my disputes after my Chime account was completely depleted. When I initiated the disputes, a representative assured me I would receive my funds. However, two out of four disputes were denied, and after a few more days, I received one approval and another denial. I'm confused about the investigation process, especially since the scammer withdrew all the funds on the same day, obviously accessed my account or stole my credit card, and was at a location Ive never been. I wasnt given no information on the one that was approved. I contacted the store they were no help and told me to contact my bank. I found the location where the withdrawal took place on my bank statement. Chime has not helped with nothing at all. If one dispute was approved, why were the others denied? This isn't my first issue with Chime. Sometime this year my dispute was denied even after I submitted a police report, which is unacceptable and this transaction was about the same amount its happened twice. I need a Chime representative who can communicate effectively in XXXX to address my concerns. I'm left waiting for my refunds, and I have no information to assist the police in the report I made. Chime has allowed someone to steal nearly {$5000.00} from me over the past year, and it has made my life terrible. I've requested my cases be reopened, but I'm unsure if that has happened. That still may not be enough to get me my funds back. I urge the Chime executives to intervene and hold Chime support team or who ever handles the disputes accountable. It's baffling how one dispute was approved while others were denied but the same information was provided, especially since all were ATM withdrawals made at the same time. This is clearly fraud, and I feel victimized. Chime should be able to provide clarity and some type of solution on this situation. THESE ARE THE MOST RECENT DISPUTE TRANSACTION DATES AND AMOUNTS DISPUTE 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 response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-04 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.

Complaint narrative:
I have a bankruptcy that was XXXX XX/XX/year> Equifax still has all the collections and balances showing as unpaid and I have submitted multiple disputes provided the statement of affairs and discharge certificate which shows that all those creditors included, however Equifax continues to ask me to submit a new dispute I have recently made a new dispute and included 2 pieces of government issued identification which includes my current address they responded by stating below this is my 4th attempt to dispute please assist its a new year and my credit is still not corrected Dear Consumer, Thank you for contacting Equifax XXXX regarding your consumer credit report. This message is in response to your recent request. 

We are unable to process your request. The necessary ID and/or supporting documentation is missing, incomplete, or it was illegible. We ask you to submit a new request. Please ensure you visit our website ( below ) for details of the documentation required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have an XXXX loan that is now with AES. I have a graduate loan that is now with XXXX. I am trying to get the loan that is with AES to be registered on the student loan.gov website so I can accurately develop a payback plan. The loan with AES originally dates back to XXXX. I consolidated it with my husband at the time ( who died in XXXX ). Because he was a deadbeat, after our divorce, I was the only one who paid back our student loans. There were times I had to put the loans in forbearance or deferment because I didn't have enough money to make the payments. I have been paying on this loan for years and my balance is still growing and growing. I declared bankruptcy in XXXX, and my attorney said that student loans were not covered in the bankruptcy. I'm trying to get copies of the documents from this bankruptcy to see if they were even listed as a debtor. 

I want to consolidate my XXXX and XXXX  loans and get on the payment plan for PSLF. I have been employed at non-profit organizations since XXXX. However, I don't want to consolidate them if I'm eligible to have the loans forgiven because of how long I've been paying on them or for any other reason. I don't trust the loan companies. I feel like every time I've spoken to AES, they give me incorrect information because they don't want me to know what I'm truly eligible for. I just want straight answers, and I want to pay back the loans without constantly seeing my balance increase despite my payments. Can someone please help me? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
never received any information about this debt,, not mines maybe fraudulent, ,seize and desist all communication about this debt.. deletion from all credit agencies..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: World Acceptance Corporation
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an item on my credit report under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ), which governs the responsibilities of consumer reporting agencies in ensuring the accuracy and completeness of credit information.

I recently obtained a copy of my credit report from your agency, and I have identified that I believe is incorrect and needs to be corrected.

Under the FCRA, you are required to maintain accurate information on consumers credit reports, and to investigate disputes in a timely manner. I am requesting that you thoroughly investigate this dispute, as outlined in 15 U.S.C. 1681i, and either verify the accuracy of the information or remove the incorrect entry from my report.

I would like to remind you that 15 U.S.C. 1681o provides that if a credit reporting agency willfully or negligently fails to comply with the requirements of the FCRA, the consumer may be entitled to damages. As such, I trust that you will handle this matter promptly and take the necessary steps to ensure that my credit report is accurate and in compliance with the law.

Please send me a copy of the results of your investigation and any corrections made to my credit report as soon as possible. If further documentation is needed from my side, please inform me promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: KY

Complaint narrative:
I was reviewing my credit report and I noticed that I have two medical debt collections on my XXXX and TransUnion credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act. 

This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX Assistance XXXX, medical debts can not be reported to credit bureaus until they are at least 180 days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less that 180 days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I disputed the reported collection with TransUnion and they provided me with results saying the collection was verified. They did not provide me with any information on their process for investigation and they didn't provide me with and supporting documentation. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the dispute response from TransUnion, which you can see no supporting documentation was provided, and the certified letter I sent to TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-04 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: GA

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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXXXXXX 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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2025-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Double Diamond-Delaware, Inc.
State: TX

Complaint narrative:
I purchased land in XXXX in 2019, and the mortgage servicing company was Equitable Mortgage Cooperation. Since then, we have always had to make phone calls for the payments to be processed. We spend over 15 - 30 minutes on the phone waiting for the phone to be answered. We waste a lot of time over the phone and it is very time-consuming and stressful. I have requested through phone calls to have the company build a website whereby we can track our mortgage payments or even pay more towards interest. We always have to call to get any kind of assistance. This has a lot too much frustration and stress among us customers. I a not able to refinance since it was a land sale. We need your assistance as we are ready to sue this company. I have written so many emails and have never got any response.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
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 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 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