vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, for improper garnishment practices, interference with legally protected assets under XXXX filings, and continued collection actions without proper validation of the alleged debt. 

Key Points of the Complaint : 1. Improper Garnishments : According to court docket reports from XXXX XXXX, Tennessee, XXXX XXXX XXXX has been receiving payments via garnishments labeled as payment received. 
These payments were taken without proper notice or documentation that the debt was legally owned by XXXX. 
XXXX has not validated the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), yet continues to garnish funds. 
XXXX. Interference with XXXX Filings : On XX/XX/XXXX, I filed a XXXX Financing Statement and a XXXX Information XXXX, asserting my legal rights over my personal assets. 
Midlands garnishment actions interfere with assets I have legally claimed under these filings. This constitutes a violation of my rights. 
XXXX. Failure to Validate the Debt : I sent a formal debt validation request to XXXX on XX/XX/XXXX, and their response failed to provide adequate documentation. 
Specifically, XXXX did not provide : A full chain of title showing ownership of the debt. 
A copy of the original credit application or agreement with Synchrony Bank. 
A complete transaction history or breakdown of how the debt amount was calculated. 
I sent a second validation request on XX/XX/XXXX, and I am awaiting their response. 
XXXX. Violation of XXXX Clause : The original credit card agreement with Synchrony Bank includes an arbitration clause that requires disputes to be resolved through arbitration. 
XXXX bypassed arbitration and obtained a default judgment in court, violating the terms of the original agreement.

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 2025-01-24 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 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 credit union 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 2025-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
My XXXX and Cashapp accounts have been compromised several of times. Missing funds, and never able to get reimbursed when told they were fraud transfers and purchases. This has happened in a course of 3 years. I have just choose to no longer use these apps unless a family member request only. I have also been scammed through Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow up dispute complaint ID # XXXX. EXPERIAN has fail to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against EXPERIAN, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where EXPERIAN has neither corrected nor removed.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
JPMorgan Chase has been a source of frustration for me. They closed my only account with them in XX/XX/year>, and I have also noticed two additional fraudulent Chase accounts that have negatively impacted my credit. I need these accounts removed from my credit report ; if they have been closed, they should not still appear. 

I do not have any active accounts with Chase, and I need them to stop harassing me regarding issues related to accounts that have been closed for years. Can you help me get these removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I sent dispute letters for charge off/closed XXXX balance amounts thats still showing up on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. My apple pay has been shut down due to zelle as well as other issues such

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and invalid reporting of the following accounts on my credit report with XXXX and Experian. These accounts are being reported inaccurately and unfairly, causing undue harm to my credit profile : XXXX XXXX : Account Number : XXXX XXXX XXXX Account Number : XXXX Experian XXXX : Account Number : XXXX XXXX : Account 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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX I notified Wells Fargo that my XXXX, XXXX XXXX who had XXXX XXXX  had left me her home which is my principal residence. I sent them the documentation they requested and instead of following federal laws, ( XXXX XXXX XXXX XXXX XXXX of XXXX, ) they ignored the information I sent them and proceeded to foreclose on the property. I contacted them again after learning of the foreclosure again sent them the requested information twice. Wells Fargo began sending monthly mortgage statements again not stating if I should start making the monthly payments or if they are working on a modification and they have set a sale date for the property. 

XXXX XXXX XXXX XXXX Attorney General XXXX XXXX Banking Commission FTC Commission

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 2025-01-24 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts that are reported inaccurate as followed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$950.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  XXXX - XXXX - {$1300.00} XXXX  - XXXX - {$690.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy, 15 USC 1681 SECTION 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions, now under 15 USCS 1666 B a creditor may not treat a payment on account under an open consumer credit plan as late for any purpose. I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history

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 2025-01-24 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. My concern pertains to a disputed account listed by Experian, which I believe has not been properly investigated per federal regulations.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns regarding Experian 's practices. Specifically, the CFPB has alleged in a lawsuit that Experian failed to conduct proper investigations and engaged in sham practices that violate its obligations under the FCRA.

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

The specific item I am disputing is as follows : Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX Details : A credit card allegedly opened in XX/XX/year>2024 with an initial credit line of {$500.00}. The account is marked as a " charge-off '' with a reported balance of {$2000.00}. 

I do not recognize this account, and I believe this information is inaccurate. Therefore, I am requesting a reinvestigation into the validity of this account and Experians compliance with the FCRA. 

Please review this matter and provide guidance on how this issue will be addressed. I am counting on the CFPB to help ensure that credit reporting agencies adhere to their legal obligations and protect consumers like myself from inaccurate or unverifiable information on credit reports. 

Thank you for your attention to this matter. Please feel free to contact me should you require further information or documentation to assist in your investigation.

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 2025-01-24 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: MI

Complaint narrative:
Under Section 1681o of the Fair Credit Reporting Act ( FCRA ), the liability for inaccuracies on a credit report typically applies to the credit reporting agencies ( CRAs ) and the furnishers of information ( such as creditors or lenders ). 

I am filing this complaint regarding an inaccurate item in my credit report that is negatively impacting my credit. Despite efforts to resolve this its still unresolved. I request an immediate investigation as this does not reflect my true credit history. I would like this to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
These companies failed to properly update remove this account after it was removed from my collections

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 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX 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 systemic 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 l 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 2025-01-24 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: LA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-24 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief