vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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:
On XXXX XXXX XXXX, there were several accounts that were removed from my consumer file due to them being part of my identity theft. on XXXX XXXX XXXX  they were all added back without notifying me in writing 5 days prior per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) if the CRA reinserts the information, it MUST notify the consumer IN WRITING within ***FIVE BUSINESS DAYS*** of doing so. I was not notified of anything. These items were listed on my identity theft report and per FCRA 605 ( b ) there were removed, and then reinserted without notification. I have attached the original letters that were sent out showing dates, as well as screenshots showing the accounts removal date ( XXXX  ), as well as the date that there were reinserted without any written notice ( XXXX  ). 
They are already in legal trouble per 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) reference CFPB File No. 2025-CFPB-0002 for similar violations. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX there were several accounts that were removed from my consumer file due to them being part of my identity theft. on XXXX XXXX XXXX  they were all added back without notifying me in writing 5 days prior per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) if the CRA reinserts the information, it MUST notify the consumer IN WRITING within ***FIVE BUSINESS DAYS*** of doing so. I was not notified of anything. These items were listed on my identity theft report and per FCRA 605 ( b ) there were removed, and then reinserted without notification. I have attached the original letters that were sent out showing dates, as well as screenshots showing the accounts removal date ( XXXX ), as well as the date that there were reinserted without any written notice ( XXXX ).

They are already in legal trouble per 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) reference CFPB File No. 2025-CFPB-0002 for similar violations. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX my XXXX account was targeted by fraudsters. I reported a phishing attempt to XXXX immediately and explicitly instructed them to block access and prevent any changes to my account. Despite assurances that my account was secure, XXXX failed to act, allowing over XXXX unauthorized transactions within XXXX hours. These transactions included withdrawals, the addition of a new debit card and bank account, and even changes to XXXX Authenticationactions uncharacteristic of my accounts history. 

XXXX 's response was inadequate and misleading. Instead of freezing the account or addressing the issue promptly, they created XXXX different case numbers, adding unnecessary confusion and delaying resolution. Their internal controls failed to flag the highly unusual activity, even though credit card companies routinely detect and prevent similar fraudulent patterns. 

This series of failures resulted in significant financial losses and emotional distress. I have since filed reports with the XXXX XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to escalate the matter. 

XXXX has a fiduciary duty to safeguard client accounts, but their negligence has caused me to suffer severe emotional distress, including XXXX  sleep disruptions, and frustration. Their lack of effective customer supportadvertised as XXXX compounded the issue, leaving me unable to resolve the situation when immediate action was critical. 

Robinhoods failure to protect my account highlights systemic issues in their policies and practices, which have been previously scrutinized by regulatory bodies like XXXX. Their negligence and misrepresentation have not only caused me financial harm but also violated their obligations to act in the best interest of their clients. 

I am disputing a total amount of {$20000.00} resulting from XXXX 's gross negligence and breach of fiduciary duty. 

I request that your agency investigate XXXX actions and ensure they are held accountable for their failures. Please let me know if additional information or documentation is required to assist in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
XX/XX/XXXX - I applied for a XXXX XXXX  but did not complete the application process. I never received any money from NetCredit. I never had any further communication with XXXX No email, no phone, no XXXX mail. 

XX/XX/XXXX - I started receiving phone calls from XXXX XXXX XXXX who were trying to collect on the XXXX XXXX XXXX. I have repeatedly asked for proof of XXXX XXXX making a deposit into my bank account and not received it. 

XX/XX/XXXX - I have filed a Identity Theft Report through the FTC website XX/XX/XXXX - I have emailed XXXX XXXX XXXX and notified them that I am a victim of identity theft and to dispute the loan. 

XXXX XXXXXXXX : XXXX XXXX XXXX of Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ph XXXX National Credit Adjusters information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Alorica Inc.
State: CA

Complaint narrative:
Debt was sold to a debt collector without my permission. 
I request that the FTC investigate both the XXXX and SST systems and services technology for potential violations of consumer protection law, including unauthored deft transfer and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX, TransUnion, XXXX, and XXXX XXXX ( commonly known as XXXX XXXX ) for failing to properly investigate my disputes regarding inaccuracies in my credit report and the refund of my money. Despite my detailed submissions, XXXX, XXXX repeatedly responds within XXXX hours claiming the account is accurate, without providing any refund or evidence of a thorough investigation. Similarly, XXXX, TransUnion, and XXXX have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of consumer disputes. Additionally, Experians actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I respectfully request that the CFPB take immediate action to ensure that all parties involvedXXXX, TransUnion, XXXX, and XXXX, Inc.comply with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.

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 2025-01-26 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: Block, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX, XXXX, and Block, Inc. ( commonly known as Cash App ) for failing to properly investigate my disputes regarding inaccuracies in my credit report and the refund of my money. Despite my detailed submissions, Block, Inc. repeatedly responds within 24 hours claiming the account is accurate, without providing any refund or evidence of a thorough investigation. Similarly, XXXX, XXXX, and XXXX have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of consumer disputes. Additionally, Experians actions XXXX also violate the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as evidenced by the XXXX XXXX XXXX XXXX ( CFPB ) recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I respectfully request that the CFPB take immediate action to ensure that all parties involvedExperian, XXXX, XXXX, and Block, Inc.comply with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found out my data was leaked. Now I got all these inquiries on my credit report and also creditors calling me saying I owe them and I have never heard of them.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The school I went to over XXXX years ago closed and my student loans are still on my credit..I even trying to get them forgiven..still no answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: KY

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 findings by CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe 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
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
An attempt to transfer a balance of {$6000.00} was made on XX/XX/XXXX through XXXXXXXX XXXX from Chase to XXXX. The transaction went through on XX/XX/XXXX according to XXXX. However, Chase was never paid the {$6000.00} by XXXX. Reports on this were filed with both XXXX and Chase. It was later discovered that there was an error in the Chase account number and that the transfer was sent to. Both Chase and XXXX assured me that this issue would be addressed, and that Chase assured me that I would not be assessed fees while this was under investigation. I have spoken to both parties repeatedly concerning this issue with no resolve. As of XX/XX/XXXX, I still show a balance of {$6000.00} plus fees and interest since XXXX on the Chase account that should have been paid by XXXX in full resulting in a XXXX balance and now I also have a {$6000.00} balance on the XXXX account for monies they can not account for. Neither bank has been able to find a solution to this balance transfer error and now Im stuck in the middle with double the balance I started with. I spoke to customer relations from XXXX today XX/XX/XXXX. They reassured me that they were escalating this to try to get this corrected but no promises. I do not owe {$12000.00} to either bank. There has to be a way to get this corrected. I have spoken to multiple representatives from both banks since XX/XX/XXXX. My credit score has been affected, and Chase is trying to collect interest and late fees on an account that should have a XXXX balance. I dont know what the solution is, so I am reporting it here. I have also issued a complaint against XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
I am filing this formal complaint against MOHELA for their failure to accurately report the repayment status of my student loans during periods of deferment, resulting in false information on my credit reports. 
From XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX, I was enrolled as a full-time or more than half-time student, as evidenced by my attached school transcript. During these periods, my loans were in deferment, yet MOHELA inaccurately reported " No Data Available '' for these months on my credit reports instead of the correct status of " Paid as Agreed. '' This misreporting is damaging and misleading, as deferment due to enrollment should be reflected as being in good standing. 
Furthermore, in XX/XX/XXXX, I entered into a written agreement under MOHELAs ( formerly XXXX 's ) Rate Reduction Program to pay {$700.00} monthly. I have honored this agreement without fail, but MOHELA falsely reported my account as 150 days late in XX/XX/XXXX and left " No Data Available '' for XXXX, XXXX, and XX/XX/XXXX. These inaccuracies are contradicted by MOHELA 's own correspondence, which confirms my payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have the experience credit reporting service I've had it for a long time I prefer the service I really like it but unfortunately I had to change phone numbers because my identity has been stolen I haven't been able to report that to him because I can not log in, because my phone number is required to login to get a text message when you call the ivr system it will not let you proceed to speak to somebody unless you get a text message so it is a stupid Loop will they won't let you speak to somebody they won't let you reset it online so I'm unable to access my information and Report the fraud and the stolen identity that I've needed to for a while now. They don't give you an email to contact they don't give you any way to resolve this issue. When I do click that I don't have access to the phone number any longer which is only provided through the app it says answer the security question what's your security question answer with no security question to answer. And I know I have them set up.

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 2025-01-26 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:
XXXX, Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested a copy of the consumer report with Equifax after being denied housing and employment. I came into the knowledge that the account information being reported by Equifax prevents me from gaining access to financial products and services. I recently learned about my right to be protected from debt bondage and severe forms of XXXX I submit my written and electronic requests to Equifax for immediate consumer protections in accordance with FCRA, Section 605C. Equifax, a consumer reporting agency and its employees denied each of my requests to block adverse items in four business days. The derogatory accounts have worsened and are still being reporting in my consumer report. Equifax exceeded five business days to notify me of the denial. I am without employment and was denied housing, insurance and credit because of the adverse items reported by Equifax. I did not know when I waived my right to opt out of consent to furnish this information. Equifax has failed to provide me with equity, compliance, the required record keeping and written procedures as requested. Equifax has failed to adhere to the expectations that were intended to protect survivors of XXXX as the CFPB concludes its purpose to help survivors restore their credit to meet both immediate and long-term needs.

Company response to consumer: Closed with explanation