vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint for Violation of FCRA and Demand for Immediate Removal of Reinsertion Account Dear CFPB, I am filing a formal complaint against EQUIFAX for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically the reinserted account listed below. This account was previously deleted from my credit report, and I am now demanding its immediate removal due to violations related to the reinsertion of the account without proper verification or notification. 

Account Information : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Original Report Date of Removal : XX/XX/XXXX Date of Reinsertion : XX/XX/XXXX Background : On XX/XX/XXXX, I disputed an account with EQUIFAX due to inaccurate information. After a thorough investigation, EQUIFAX removed the account from my credit report on XX/XX/XXXX, confirming that " the disputed item is not currently reporting on the equifax credit file ''. I have attached proof of this notice. 

However, I discovered on XX/XX/XXXX, that the same account was reinserted into my credit report. This reinsertion occurred without any proper certification or written notification of the accounts accuracy and completeness, as mandated by the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 5 ) ( B ). 

FCRA Violations : Violation of Section 611 ( a ) ( 5 ) ( B ) - Reinsertion of Disputed InformationThis section prohibits the reinsertion of deleted items unless the information provider certifies that the information is accurate. EQUIFAX failed to provide such certification, which constitutes a violation of my rights. 

Violation of Section 623 ( a ) ( 3 ) - Duty to Correct and Update InformationThe reinsertion of the account without correcting the underlying inaccuracies breaches this section, which requires that information furnishers update and correct inaccurate data. 

Violation of Section 611 ( d ) - Notification of Reinsertion EQUIFAX failed to notify me in writing within five business days of the reinsertion of the previously deleted item, violating my right to timely notification under this section of the FCRA. 

Violation of Section 607 ( b ) - Maximum Possible AccuracyThe reinsertion of inaccurate information, as well as the lack of procedures to ensure maximum possible accuracy in consumer reports, is a violation of the FCRA. 

Harm Caused : The reinsertion of this inaccurate account has caused significant harm, including : Damage to my credit score Increased stress and time spent addressing this issue Negative impact on my ability to secure a mortgage This issue has severely affected my ability to pursue homeownership for my family, and it remains unresolved due to the incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 proces? 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 2025-01-20 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 complain against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charded 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 practice are unfair and request an investigation into my accounts 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding a personal loan I obtained for {$2000.00} from Opploans aka XXXX that is in violation of Ohio 's usury laws. The loan carries an exorbitant interest rate of 160 %, which I have since learned is illegal under Ohio law. 

Details of the Complaint : Loan Amount : {$2000.00} Interest Rate : 159.25 % Finance Charge : {$1400.00} Date of Loan : XX/XX/year> Lender : Opploans aka FinWise Violations of Ohio Law : The loan violates several provisions of the Ohio Revised Code, including but not limited to : 1 ) Ohio Revised Code 1343.01 : This statute sets the maximum allowable interest rate for loans and clearly establishes that interest rates exceeding 8 % per annum are considered usurious. 
2 ) Ohio Revised Code 1321.52 : This code regulates the practices of licensed lenders and prohibits predatory lending practices that exploit vulnerable consumers. 

Impact and Concerns : I was NOT made aware that such an exorbitant interest rate was illegal in the state of Ohio until I researched the matter after receiving the loan. The practices employed by Opploans appear to target specific demographics, creating a predatory lending environment that exploits individuals who may be in need of financial assistance. 

This situation has caused significant distress, and I believe it is in the best interest of both parties to resolve this matter amicably. 

Given the nature of this violation, I am requesting the following actions : 1. Immediate deletion of this loan from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) to rectify the harm caused by these usurious lending practices. 

XXXX. Clear the debt owed to balance. 

XXXX. A written confirmation that my request for deletion has been processed. 

Please note that I have retained litigation due to the intentional violation of Ohio 's usury laws, as well as the predatory nature of this loan. I will also cc the Ohio Attorney General regarding this matter. The only correspondence I will accept is via email, letter, cfpb, or attorney general. I will not be calling to speak with a representative with no authority to authorize the request. I have enough information gathered to pursue litigation but hoping to rectify this without with involving any litigation or civil suit. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting 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 2025-01-20 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: MI

Complaint narrative:
I am in pursuant of FCRA and 605B ( 15 U.S.C. & 1681c-2 ) the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consisting of the following credit cards 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report and I do not recognize the accounts. Also, the following hard inquiries 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 XXXXXX/XX/XXXX. I have attached a copy of the FTC Identity Theft Criminal Complaint case numbers XXXX, XXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, collections of identity theft and fraud. 
I request pursuant to FCRA S 6058 ( 15 U.S.C. & 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint, I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Beginning on Thursday, XXXX XXXX at XXXX. I noticed that my check deposit from my employer XXXX XXXX was not in my checking and savings account ( I split funds between both accounts ) as it typically has been for the past seven years. Usually, because I get paid early on Thursdays bi-weekly and certainly on my normal pay day which is Friday bi-weekly, I became worried. I process all of my bills to be deducted from my checking and savings on Friday ( payday ). I never received my deposit on Thursday, so I called Capital One Bank to see if there was an issue. Apparently, they had an outage issue and no one had access to their deposited funds from their employer and as of now, many people still dont. I was told, they did not have a timetable of when this outage would be resolved. I then waited until Friday, XXXX XXXX to check my account and still no deposited funds. All of my bills now have been rejected and Ive accrued a {$190.00} overdraft fee from capital one on XXXX XXXX and a {$200.00} ACH return because my employer check hadnt been posted by Captial One on XXXX XXXX. Also, my Captial One Credit Card payment of {$400.00} had been returned because my check that was surely supposed to be in my account on Friday morning XXXX XXXX was no where to be found. Finally, at XXXX Friday, XXXX I received my held deposit and at that time Captial one had returned all of my ACH bill transactions although it was THEIR FAULT. I then call them on XXXX XXXXXXXX XXXX after being on hold for over an hour requested that they cover my return check fee of {$70.00} and my over draft fee of {$190.00} ( that I had to pay for ). They told me that they couldnt because I didnt have funds available. Well, I find it unacceptable that I didnt have funds available because they were HOLDING onto my deposit. When this entire debacle was happening, Captial One ASSURED their impacted costumers that they would be handling all return check fees and overdraft fees. Mid-conversation, Captial one representative hung up on me and I have sense not been able to contact anyone after being on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I have never had a contract with said company.

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 2025-01-20 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-20 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 XXXXXXXX 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 2025-01-20 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: GA

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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
I am filling this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit, despite numerous efforts to resolve this directly. I request immediate investigation To validate and removal of the following inaccuracies on my credit reports, XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair andd deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation