vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened on XX/XX/year> At : ACCOUNT : XXXX XXXX, with account number XXXX These accounts have resulted in a fraudulent ACCOUNT appearing on my consumer XXXX credit report. I've attached a list of the information in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud and the Equifax Databreach. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block the account 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 : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXX several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint due to a misleading auto refinance process that resulted in 2 hard credit inquiries and a bait-and-switch on my APR. 

On XX/XX/year>, XXXX ran my credit and presented me with an offer of 7.59 % APR, stating the only remaining requirement was a XXXX XXXX XXXX. I uploaded this document multiple times in response to their email requests. On XX/XX/year>, after continued requests, I called and spoke with XXXX XXXX, who confirmed he saw the document and uploaded it on my behalf. 

I never received any further communication, so I followed up on XX/XX/year>, and spoke with XXXX. She initially stated that they would send me the loan documents to sign. When I asked her to confirm the APR, she informed me it was 9.94 % not 7.59 % as originally offered. She also claimed there was no record of the 7.59 % APR on her side. 

At this point, I provided a screenshot of my original offer from PenFed, which explicitly showed 7.59 % APR after my credit was run. XXXX then stated that the rate changed on XX/XX/year>, after running my credit. However, my credit report reflects two hard inquiries from themone on XX/XX/year>, and another on XX/XX/year>. XXXX said the first one was a " soft pull ''. 

I was never notified of this rate change, nor was I given any valid explanation. The lender later claimed I " should have received an email, '' but I never did. This lack of transparency is deceptive and unethical.

PenFed has stated they will submit a request to remove the hard inquiries, but given the numerous miscommunications and lack of accountability from their representatives, I am deeply concerned they will not follow through.

Resolution Requested : Immediate removal of both hard credit inquiries from my credit report.

Accountability for deceptive lending practices and failure to disclose APR changes.

I kindly request your assistance in ensuring that PenFed follows through on their promise and is held accountable for their misleading practices. 

Thank you for your time and attention to 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 2025-02-05 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: DC

Complaint narrative:
XXXX XXXX XXXX Collection/Chargeoff Closed on XX/XX/year> {$9100.00}. My information was exposed in a data breach and currently reporting inaccurate last payment dates. I would like to know and receive in black and white how this account was verified and the last date of payment.

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 2025-02-05 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: DC

Complaint narrative:
XXXX XXXX XXXX Collection/Chargeoff Closed on XX/XX/year> {$9100.00}. My information was exposed in a data breach and currently reporting inaccurate last payment dates. I would like to know and receive in black and white how this account was verified and the last date of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: PA

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : 1234, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 information, other than records of conviction and crimes which antedates the report by 7 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.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

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 explanation
Consumer complaint received 2025-02-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MD

Complaint narrative:
I recently reviewed my credit report and saw that a collection that had been removed with XXXX XXXX is now being reported by XXXX opened XX/XX/year> balance {$1600.00}. I do not recognize this debt and I did not receive notice from this collection company regarding this debt they are reporting. There have been changes to medical debts reported on a credit report - There has been a law change and medical debts will no longer reflect on credit reports. Nonetheless, I never received documentation to validate this debt and it was closed on CFPB in a prior complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to formally dispute the reporting of certain collection account on my credit report that I did not authorize or contractually agree to Portfolio Recovery Associates , LLC y account number ( XXXX ) was reported without my consent, and I demand its immediate removal as they are inaccurate and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since I never entered into any contractual agreement with these collection agencies, I dispute the legitimacy of these accounts and request that they be deleted from my credit report immediately. 

Furthermore, I am issuing a formal cease and desist notice to any and all collection agencies attempting to collect on these disputed accounts. Under the FDCPA, I have the right to request that all collection efforts, including phone calls, letters, and reporting to credit bureaus, immediately cease. 
Any further attempts to collect on these unauthorized accounts will be considered a violation of my consumer rights and subject to legal action. 

I have already attempted to resolve this matter with the credit bureaus, but they have failed to provide sufficient verification proving the validity of these accounts. If these collection agencies can not provide a valid, signed contract demonstrating my authorization, they are in violation of federal law and must remove these accounts from my credit file. 

These inaccurate and unauthorized accounts are severely affecting my creditworthiness and financial opportunities. I request that the CFPB take immediate action to investigate this matter and ensure the removal of these accounts from my credit report. Please provide written confirmation of the actions taken in response to this dispute. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one has this program called capital one offers- where they have advertised rewards in the form of percentage points of purchase at specific partner merchants. Even after going through these purchases ( XXXX separate ones ), Ive not gotten the reward miles in the times theyve stipulated. XXXX purchase did result in XXXX miles being credited, but it was taken back without any further explanation or action on my end. I was still eligible to get that reward miles. It required contacting their customer support and they promised to make me whole with {$210.00} credited back to my account, but I only got a fraction of it ( {$70.00} ). 

There is an entire forum in XXXX where multiple such cases are reported and no action is being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened on XX/XX/year> At : ACCOUNT : XXXX XXXX, with account number XXXX These accounts have resulted in a fraudulent ACCOUNT appearing on my consumer XXXX credit report. I've attached a list of the information in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud and the Equifax Databreach. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block the account 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 : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
Equifax failed to remove this item from my credit report as creditor agreed to a pay for deletion. Proper documentation was provided.

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 2025-02-05 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: FL

Complaint narrative:
Equifax failed to remove this item from my credit report as creditor agreed to a pay for deletion. Proper documentation was provided.

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 2025-02-05 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 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 not properly investigating the disputes of fraud on my credit report. I have been requesting an investigation and the removal of the fraudulent XXXX XXXX XXXX account from my credit report for over a year. They consistently respond within 24 hours saying the account is accurate, without providing any proof of investigation. Even when I request it. 
I have provided the requested " additional documents proving my identity '' SEVERAL times. I have sent ID cards, my social security card, bank statements, the title to my car, my military CAC card, credit card statements, utility bills, police report, identity theft reports, etc. It is clear they have not taken the time to investigate this fraud. 
I have filed disputes and sent them information atleast 10 times in the year and a half. 
I provided them with police reports and even had XXXX do an independent investigation and they found that the account was fraud and could not be verified. 
They could not have properly investigated and they violated my consumer rights by not blocking this identity theft from my credit report when I requested it over a year ago. 
Please see attached documents from the past several months.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NC

Complaint narrative:
US bank keeps allowing transactions to go through on my bank account while it is in the negative already, charging fee after fee when I do NOT have overdraft protection. They hold transactions and allow them to post after other transactions and this causes my account to go negative. I've got the exact amount set to go to that account to cover bills, with a little left over yet every month they've charged me overdraft fees. 

This started on XX/XX/2024 when I had {$65.00}, had a transaction for {$35.00} and then an error saying " available balance was XXXX due to hold or other adjustments '' And it just gets worse and worse each month. My account is currently XXXX because of them allowing overdraft plus charging fee after fee. 

I do not and have never approved or turned on overdraft protection.

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 2025-02-05 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX  - XXXX - {$3600.00} XXXX XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of 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