vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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, 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 2025-01-28 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: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC is reporting a debt that was opened XX/XX/year>, for someone with a similar name the account does not belong to me they are inaccurately reporting on my credit report and per Section 609 of the Fair Credit Reporting Act ( FCRA ) must be DELETED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Former CFPB complaint number : XXXX I am filing regarding the fact that only some of the funds mentioned in the final paragraph of the letter issued regarding the aforementioned case ever made it to me. No one ever contacted me prior to refunding so several of the accounts were closed at the time of refund. Please get in touch with me to sort this out. I am on the phone with your support team right now and they are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-29 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: GA

Complaint narrative:
I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have received many calls from midland credit management and I have consistent disputed ownership of this debt with XXXX, it continues to show up on collections so I called to ask what the debt is for and to send me proof of this debt. I also requested an XXXX which neither were given or ever sent to me. They have also called my family members, threatened legal ( alluded to jail /warrants ), and promised to continue to damage my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear GMFNANCIAL, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that GMFNANCIAL has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for GMFNANCIAL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that GMFNANCIAL immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring GMFNANCIAL into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that GMFNANCIAL will swiftly correct these violations and respect my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2025 I have received a CashApp card issued by XXXX XXXX  in my residence mailbox. I have never requested a debit card from CashApp and have an active account with my legal name opened long time ago, although I don't actively use it currently. I have reached out to CashApp support over the phone and they've said that they can only discuss fraud over the email. They have requested me to upload front and back of the card I've received over the secure link sent over an email, which I did. They have asked several more questions that I gave answers to : 1. My full legal name is XXXX XXXX. 
2. The name on the Cash App card I have received is also " XXXX XXXX ''. As well, as the name on the Cash App account XXXX XXXX, that I have never opened. 
3. I have been living at my primary residence address for almost 4 years now. 
4. The fraudulent debit card I have received on my address has the following number : XXXX XXXX XXXX XXXX. 

CashApp support has informed me over an email have opened the case XXXX on XX/XX/2025 for my complaint. However, since that they just went silent and don't provide me any update neither over an email, nor over the phone or chat. They completely ignore all my requests and do not communicate with me. 

Adding to the problem is my personal data has been stolen, including Driver License number, bank account numbers and SSN. I've been dealing with Identity Theft for the past three weeks. I have submitted a police report ( XXXX ) and the identity theft report to the FTC ( FTC Report number XXXX ). As a victim of identity theft, I rightfully request CashApp and XXXX XXXX to close the fraudulent account of XXXX XXXX that was opened using my stolen personal information. 

According to California Penal Code Section 530.8 ; Fair Credit Reporting Act Section 609 ( e ) [ 15 United States Code 1681g ], I have the right to get copies of documents relating to fraudulent transactions or accounts created using my personal information. I also have the right to request closure of such accounts. CashApp and XXXX XXXX are interfering with the Penal Code and my rights as an Identity Theft victim. I would really like to resolve this matter without involving lawyers, so I hope CFPB will be able to help me in this complicated matter. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
Called aldous and associates multiple times saying I owe rent for a location Ive never signed a lease for and never lived at have no documentation of the original company who owned the debt or what it is for have disputed multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

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.

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 explanation
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Address Update, Reissuance of Payment, and Damages for Equifax Settlement Dear Settlement Administrator, I am reaching out regarding my Equifax settlement payment, which I have not received due to a change in my address. I sold my previous home at XXXX XXXX XXXX, XXXX, GA XXXX, and no longer have access to the mail. I have been in contact with a representative named XXXX, who instructed me to send this email with the necessary information to update my address and request a reissuance of my settlement payment. 

Below is the updated information for my address : Full Name : XXXX XXXX Claim Number : XXXX Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Additionally, I spoke with a representative named XXXX on XX/XX/XXXX, who confirmed my address had not yet been updated. Unfortunately, XXXX informed me that no supervisors were available to assist, and several questions I asked were not answered. She also confirmed that the settlement check was mailed to my old address on [ XX/XX/year> ], which I no longer have access to, as the property was foreclosed upon by the bank. 

I have received confirmation from the bank and the settlement administrator that the check was never cashed, which further supports my claim. 

I have been trying to update my address for over 60 days, and all my calls have been recorded. I have four calls where I confirmed the necessary steps to change my address. Despite this, I have received conflicting information from each representative. The most recent representative I spoke to today stated there is no set time frame for updating an address in your system.

This ongoing issue has caused significant stress and financial hardship. Due to the delays and mishandling, I am seeking {$58000.00} in damages for emotional distress and financial inconvenience. Additionally, if a resolution is not reached promptly, I am considering retaining XXXX XXXX XXXX out of XXXX, to pursue further legal action. 

I kindly request the reissuance of my payment and a resolution to the address update issue as soon as possible. Please advise on the next steps and let me know how we can move forward to settle this matter. 

Thank you for your prompt attention to this issue. I look forward to your timely response. 

Sincerely, XXXX XXXX Claim Number : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Various overdraft fees even when transfers covered the amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DC

Complaint narrative:
Insurance paid off my loan in XXXX, due to totalled loss vehicle. As of today XXXX XXXX, XXXX, my credit report shows delinquent/ Repossessed/ Charge off for XXXX XXXX XXXX. I have documents from XXXX XXXX stating that my account was Paud in Full. This is hindering me from purchasing another vehicle.

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 2025-01-28 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: DC

Complaint narrative:
Insurance paid off my loan in XXXX, due to totalled loss vehicle. As of today XXXX XXXX, XXXX, my credit report shows delinquent/ Repossessed/ Charge off for XXXX XXXX XXXX. I have documents from XXXX XXXX stating that my account was Paud in Full. This is hindering me from purchasing another vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Insurance paid off my loan in XXXX, due to totalled loss vehicle. As of today XXXX XXXX, XXXX, my credit report shows delinquent/ Repossessed/ Charge off for XXXX XXXX XXXX. I have documents from XXXX XXXX stating that my account was Paud in Full. This is hindering me from purchasing another vehicle.

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 2025-01-28 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 charged and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances 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
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX 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