vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable credit reporting. However, despite my previous efforts to resolve these errors through dispute submissions, the inaccuracies remain unresolved. 


These issues are very similar to the practices identified in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( CFPB v. Experian Information Solutions , Inc. ). The CFPB highlighted the systematic failure to correct errors and ensure accurate information on consumers credit reports. I believe this pattern of non-compliance has directly impacted my report. 

To resolve these inaccuracies, I request : 1. A thorough reinvestigation of the disputed items.

2. Correction or deletion of the inaccurate information. 
XXXX. Written confirmation of the changes made. 

If this matter is not resolved within 30 days as required by the FCRA, I will escalate my complaint to the CFPB and other relevant authorities. 

Thank you for addressing this issue promptly. I look forward to your response within the required timeframe. 

Sincerely, 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 2025-01-21 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: LA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ), ( XX/XX/XXXX ), I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding *Equifax*specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request theremoval of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. 
*Fraudulent Accounts to be Removed : * XXXX XXXX XX/XX/XXXX, {$13000.00} XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX, XXXX, {$2500.00}, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$350.00}, XXXX, {$120.00}, XXXX XXXX XXXX XXXX, {$1500.00}, XXXX XXXX BANK XXXX, {$360.00}, XXXX, {$2000.00}, XXXX XXXX - XXXX, $ XXXX accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to theCFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matters. Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX via express mail XXXX sent letter to company. stating : I am writing to formally dispute the reporting of the charge-off account associated with XXXX on my credit report. Under the Fair Credit Reporting Act 15U.S.C 1681i ( reinvestigation of disputed information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) I am entitled to request and receive complete and accurate documentation. Requested 1. Authenticated Double-entry accounting records and for the account mentioned. This was to include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. stated Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 
2.Authenticated Evidence based on Florida law , That you have legal right to report and collect this debt. this includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to the credit bureaus. Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection 3 1099-C form- if debt has been forgiven or canceled for less than full balance. If you have not provided this documentation, the debt may be discharged, and it should no longer be reported as owed. 
they responded on XX/XX/XXXX ( enclosed ) but none of the requested information was supplied. on XX/XX/XXXX I sent a second notice stating that they had not issued any of the documentation or confirmation that the account has been deleted. The lack of response constitutes a failure to beet obligations under the Fair Credit Reporting Act and 15 u.s.c. 1681 and 1681s-2. in light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I don not receive the requested information within 15 days. I will be forced to escalate the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial 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 and resolution process were 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-01-21 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX, VA, XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Deletion of XXXX XXXX XXXX XXXX XXXX XXXX from My Credit Report Dear TransUnion, I am writing to formally dispute the XXXX XXXX XXXX XXXX debt collection account listed on my credit report. I am requesting that TransUnion verify this debt and provide all original documentation, including any agreements or evidence proving this debt is valid and tied to me. 

I am challenging the accuracy of this account due to incorrect information. It is important to note that this account has already been disputed with the Consumer Financial Protection Bureau ( CFPB ) and subsequently deleted from both XXXX and XXXX. Furthermore, the CFPB has an ongoing lawsuit against XXXX for failing to properly investigate disputes, raising serious concerns about the validity of credit reporting across all bureaus. 

If you can not validate this debt as required under the Fair Credit Reporting Act ( FCRA ), I demand that the XXXX XXXX XXXX XXXX account be immediately deleted from my credit report. The continued reporting of unverifiable or inaccurate information is unacceptable and harmful to my credit profile. 

I request written confirmation of the outcome of this dispute and any changes made to my credit report. Please respond within the 30-day timeframe mandated by the FCRA. If you have any questions or require further information from me, you may contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: UT

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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cashapp ( 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 2025-01-21 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 and address fraud on ther platform, leaving my account vulerable an unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvience and financial loss and I seek appropriate redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I didn't give authorization for this inquiry on my account. Bank XXXX ON MY CREDIT REPORT Dated XX/XX/year> 2024

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 2025-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I didn't give authorization for this inquiry on my account. Bank XXXX ON MY CREDIT REPORT Dated XX/XX/year> 2024

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 2025-01-21 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 Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leading my account vulnerable and unprotected, Furthermore the dispute process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action have caused significant inconvenience and financial loss, as i lost XXXX $ or more and my Cash App account was shut down being unable to recover my funds and not being able to contact support leaving me in despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service, and unfair practice, which violates 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 Regulations 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 2025-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am writing to file a formal complaint against NewRez Mortgage regarding their failure to properly apply my payments to the principal balance of my mortgage loan, as per my instructions.I have an active mortgage account with NewRez, and I make bi-weekly payments to stay ahead on my loan. In addition to my regular payments, I include an additional {$500.00} with each payment, which I have explicitly directed to be applied toward the principal balance. However, upon reviewing my recent statements, I have discovered that these additional payments are not being applied as instructed. 
I have contacted NewRez Mortgage multiple times to address this issue, but I have not received a satisfactory resolution. Their mishandling of my payments is a breach of trust and could negatively affect my financial goals and mortgage payoff timeline. 
To resolve this issue, I respectfully request the following : A detailed accounting of all payments made on my mortgage, showing the application of each payment to principal, interest, escrow, and fees. 
Immediate application of all additional payments to the principal balance as instructed. 
Written confirmation that future payments will be applied correctly according to my instructions.I believe that NewRez Mortgage 's actions may also violate federal mortgage servicing rules, which require servicers to process payments promptly and as instructed by borrowers.Please find attached copies of my payment records, correspondence with NewRez, and any other supporting documentation to aid in your investigation of this matter.I believe that NewRez Mortgage 's actions may also violate federal mortgage servicing rules, which require servicers to process payments promptly and as instructed by borrowers. 
Please find attached copies of my payment records, correspondence with NewRez, and any other supporting documentation to aid in your investigation of this matter. 
I kindly request your assistance in resolving this issue promptly and ensuring that NewRez Mortgage adheres to proper payment processing standards

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 2025-01-21 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 recently received a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-21 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent filings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I feel these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation