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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/year> **Federal Trade Commission** XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX **Subject : Complaint Regarding Misuse of My Data, Deleting 2 Positive Accounts XXXX, XXXX By TransUnion** Dear Sir or Madam, I am writing to formally lodge a complaint regarding what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have discovered that my data has been misused, resulting in significant harm to my privacy and financial standing. 

Recently, I observed that TransUnion removed an account from my credit report, which is in good standing, which caused a considerable drop in my XXXX XXXX on XXXX XXXX XXXX The account in question, XXXX, was removed between XX/XX/year>, and XX/XX/year>. This abrupt change to my credit file. This seems to be a cycle with similar incidents involving XXXX and XXXX, indicates a broader pattern of misuse of consumer data. 

Under the FCRA, credit reporting agencies are prohibited from accessing or using consumer data without a permissible purpose. Misuse may include : - Sharing credit information without authorization - Using reports for non-credit-related decisions without proper consent - Obtaining or altering credit reports under false pretenses These actions violate my rights under the FCRA and have negatively impacted my financial standing and privacy. 

To resolve this matter, I respectfully request that the FTC investigate TransUnion 's practices, and restore my accounts. TransUnion has clearly violated FCRA regulations. Additionally, I request that TransUnion provide : Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX CFPB TRANSUNION IS NOT COMPLYING

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: 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: VA

Complaint narrative:
Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report. The balance for this account is {$25000.00}. I listed the balance to further identify the account in question

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: 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Validation for Account No : XXXX T o whom it may concern : This letter is in response to your attempt to collect an auto loan for account XXXX. This account was opened under the false representation of my name. This is neither an acknowledgment of debt nor refusal to pay, but a notice to request validation. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days for the receipt of this letter. [ INSERT ALL THAT APPL Y ] [ Creditors Name and Full Address ] [ Name of Debtor of record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge O or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitations ] [ Name of collection Agency or Owner of debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine

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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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: 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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XX/XX/year> {$69000.00}

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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XX/XX/year> {$69000.00}

Company response to consumer: Closed with explanation
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: LA

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 2025-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , Maryland [ XXXX ] XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute and Request for Investigation of Inaccurate Information in Credit Report Dear XXXX and TransUnion, XXXX am writing to formally dispute inaccuracies in my credit reports under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Specifically, I am disputing the inclusion of incorrect addresses listed on my credit reports. 

Upon reviewing my reports from all three bureaus, I noticed that the following addresses, which are not associated with me or any of my accounts, have been inaccurately reported : XXXX XXXX XXXX ONLY reporting on XXXX XXXX File XXXX XXXX, Maryland XXXX XXXX XXXX XXXX ONLY reporting on TRANSUNION & XXXX Credit Files XXXX, Maryland XXXX XXXX XXXX XXXX  ONLY reporting on TRANSUNION XXXX File XXXX, Maryland XXXX These inaccuracies violate my rights under the FCRA, including but not limited to : 1. 15 U.S.C. 1681e ( b ) : The requirement to maintain accurate and up-to-date information in consumer credit files.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The obligation to investigate and correct disputed information within 30 days of receiving notice.

As these addresses are not associated with me, their presence on my credit report creates an inaccurate representation of my credit profile, potentially impacting my creditworthiness and leading to undue harm.

Requested Action Pursuant to 15 U.S.C. 1681i ( a ), I demand that you : 1. Investigate this matter and remove all incorrect addresses from my credit file.

2. Provide written confirmation of the completion of your investigation and any updates made to my report within the statutory timeframe of 30 days.

3. Send me an updated copy of my corrected credit report free of charge, per 15 U.S.C. 1681i ( d ).

Additional Notice Failure to comply with the FCRA may result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, a private right of action to seek damages under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ).

I expect a prompt resolution of this matter and look forward to your response within 30 days of receipt of this dispute letter. 

Thank you for your immediate attention to this matter. 

Sincerely, /s/ 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
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 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 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: NV

Complaint narrative:
I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal laws that protect consumers from fraud and financial harm. These failures violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Despite their obligation to implement reasonable security measures to protect customer accounts, my account was left vulnerable and unprotected, which resulted in unauthorized transactions.

Moreover, their dispute resolution process was unfair, deceptive, and noncompliant with the error resolution requirements under the EFTA and Regulation E. Regulation E mandates that financial institutions must investigate and resolve errors involving electronic fund transfers promptly, typically within 10 business days. Cash App failed to meet these requirements by either not conducting a thorough investigation or by dismissing my claim without adequate justification.

Under the EFTA and Regulation E, consumers are entitled to dispute unauthorized electronic fund transfers and seek reimbursement when fraud is reported in a timely manner. I notified Cash App promptly about the fraudulent activity on my account and provided all necessary details to support my claim. Despite this, Cash App has failed to provide the reimbursement I am entitled to under the law.

These actions have caused significant financial loss and inconvenience. I request the following : Immediate reimbursement for the unauthorized transactions, as required under the EFTA and Regulation E.

A detailed explanation of their investigation process and justification for their decision.

Implementation of stronger fraud prevention measures to ensure other consumers are not similarly affected.

I trust that regulatory authorities will investigate Cash App 's practices to ensure compliance with federal laws and protect consumers from further harm

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern and consumer safety.

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: KS

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 ( 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 redres 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The debt owed to XXXX XXXX XXXX associated with the financed automobile has been settled as evidenced by IRS acceptance of my 1099A and my receipt of 1099 Copy B. After receiving confirmation that the IRS received and accepted the 1099A for discharge, I did a UCC11 to ensure that the lien was removed from the financed property and the UCC11 confirmed that XXXX XXXX XXXX removed the lien that substantiated this debt obligation. The fact that XXXX XXXX XXXX has removed the lien is further evidence that the debt has now been settled and i XXXX ; XXXX now have the rights as the Holder in Due Course. Based on this fact, i have filed a UCC1 Lien on the financed property myself further evidencing that this debt has been settled and that I am now the legal holder in due course and owner of the financed automobile.

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