vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Teporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving in accurate unverifiable counts, unresolved the Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against experience, alleging somatic issues, such as failing to forward customer provided evidence in Furnisher, excepting unreliable responses, and failing to adequately notify customers of dispute outcomes these failures align with my experience where experience has neither corrected nor removed dispute items. Despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate correction action to remove or amend the dispute accounts as experience in action, violates federal law and my rights as a customer. 
XXXX XXXX XXXX XXXX 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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DEMAND THESE INQUIRIES ARE PERMEATED DELETED FROM MY CREDIT PROFILE IMMEDIATELY. SEE ATTACHED DOCUMENT.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
In ~XXXX XXXX I submitted dispute XXXX for a transaction in the amount of {$180.00} that should have been {$65.00}, and disputing the remaining {$110.00}. This was for a gas station purchases for gas in XXXX. I only purchased gas, I did not authorize a charge for {$180.00}, and the car could not physically hold anywhere close to {$180.00} of gas at the price per liter that the station was charging. Subsequently I read reviews of the gas station showed that the practice of fraudulently overcharging was common. 

Note that my credit card number recently changed. I am providing the current card number in this complaint. If the original card number is required please contact me. 

I provided all of the documentation and proof available to me ( several times ). On XX/XX/XXXX, they denied because I had not provided proof that the correct amount should have been {$65.00}. I called back on XX/XX/XXXX and explained that it was not possible to know the exact correct amount because I was not given a receipt. Furthermore, I had not authorized a charge of {$180.00} and the entire amount should be considered fraudulent ( I had only provided the {$65.00} estimate to try to be fair ). The correct amount is {$0.00} because I had not authorized {$180.00} and {$180.00} is a physically impossible amount of gas to purchase in that car. I purchased XXXX of a tank which is XXXX gallons or XXXX liters and at XXXX pesos per liter XXXX pesos or {$51.00} USD. All my gas purchases in XXXX were for similar amounts of gas at similar prices and were for less than {$70.00}, except this one fraudulent station. Even a full tank could not physically be more than {$75.00}. I did not authorize the {$180.00}, and the entire amount should be considered fraudulent. They agreed and said they would reopen the case. 

I have been receiving statements from my credit card company showing the {$110.00} amount as in dispute, so my belief was that the amount was still in dispute. It turns out that the dispute processor used by the credit card company had not done what they said they would- they did not reopen the case. The amount in dispute of {$110.00} showing my statements appears to be misleading. This still shows on the most recent XXXX statement - 6 months after the disptue processor closed the case and neglected to reopen it. 

I have contacted both companies and they refuse to communicate with each other or handle the situation. A mistake was made but each blames the other and says the power to reopen lies with the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I've got the XXXX XXXX XXXX Synchrony VISA card on XX/XX/year>, after spending the required amount of money, Synchrony showed in my statements that they submitted XXXX miles to my XXXX XXXX frequent traveler account but XXXX XXXX never received those miles. 
I've called Synchrony Bank at least 10 times looking to have a solution but it was a waste of time. Every time I call they say that they will look into it, or they say that I should call XXXX XXXX or something else .... 
I've called XXXX XXXX and they said that they never received the information about my miles from XXXX XXXX. 
For your knowledge I paid a fee of {$95.00} to Synchrony for that credit card The whole year is gone, and I couldn't use those miles.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
A fraudulent charge was made to my account in the amount of {$2000.00}. I contact SOFi and informed them through their online app and alerted them of the transaction and that it was not me who made this transaction and provided a screenshot from the mobile app as well. I was told I would be contacted within 7 to 10 business days but never gotten email so I contacted them and was informed my claim was denied because their system indicates that there was no error. I spoke with a supervisor named XXXX XXXX refused to give last name ) and he gave me the run around saying that an appeal would be filed and insisted on saying that their system shows that proper credentials were used in the transaction, and again I stated that I never made or authorized the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Asked American Express to lower my current personal loan interest rate with them in accordance with the Louisiana service member civil relief act. This law, enforces creditors and debtors to lower a currently XXXX XXXX XXXX service members interest rate to 6 % or lower, and to pay back the interest rate difference.

Company response to consumer: Closed with non-monetary relief
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: Block, Inc.
State: KY

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Repeated calls and harassment from callers for a debt that I do not owe.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I initially reached out to the company who opened the account via email with no response. Attached is the email I sent to them on XX/XX/year>. The company that applied for the loan was XXXX XXXX which abruptly closed and is being investigated by the Louisiana Attorney General Office for opening loans without consent. XXXX XXXX XXXX XXXX XXXX who holds the loan and they never responded to my email. 

I disputed with Transunion and they stated the account was accurate even after I provided then information on the company being investigated. I asked for documentation or proof of how they did their investigation and received no response. I am getting no response from Transunion nor the company that opened this loan, so I am filing a complaint against both. No one should be taken advantage of like this. I have excellent credit and this account will eventually damage it because it was not authorized.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi there, I hope you're doing well. I recently noticed some errors on my credit report, and it's honestly causing me a lot of stress. These inaccuracies are really affecting my financial goals and preventing me from moving forward. Ive been facing rejection on credit applications because of them, and it's becoming overwhelming.

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: TX

Complaint narrative:
I am filing a complete against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I ensure CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as innacurate. 
XXXX XXXX XXXX - reported 2 latest XXXX XXXX reported 1 late XXXX XXXX XXXX XXXX XXXX XXXX 1 late Remove previous jobs Remove previous addresses Remove phone numbers

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. And I now dont have access to the records of when I was solely using the Zelle app because I was banking with a bank that didn't have Zelle within their mobile app. Where did my records go? I've have since moved two a different bank and can provide proof that I am still using Zelle through that bank, but prior to that, I was using Zelle within their app directly. 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 CFPB 's 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 concerns about consumer safety.

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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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: MI

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 the 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 2025-01-24 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: MO

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : 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 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: GA

Complaint narrative:
Your response regarding the disputed accounts and inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX, is unacceptable and in clear violation of federal law. You have a legal obligation to ensure the accuracy of the information you report, and your blatant disregard for compliance will not be tolerated. 

Issues with Your Response : 1. XXXX XXXX XXXX XXXX and XXXX XXXX : You claimed XXXX XXXX is not reporting on my credit file ; however, I checked my Equifax credit report, and it is still present. This is a direct violation of your obligation under 15 U.S.C. 1681i ( a ) to properly investigate disputes and ensure accuracy. Reporting false or misleading information after a dispute constitutes willful non-compliance under 15 U.S.C. 1681n and is grounds for legal action.

2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX and other inquiries I disputed must be removed. Your response that inquiries are a matter of fact is baseless and contradicts 15 U.S.C. 1681e ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy. I DID NOT AUTHORIZE THESE INQUIRIES, and your failure to verify them with proper documentation is a violation of my rights. 
3. Willful Non-Compliance and False Statements : You claim inquiries and XXXX XXXX are not reporting or can not be removed. That is a LIE, and under 15 U.S.C. 1681n ( a ), willful non-compliance subjects you to liability for damages, attorney fees, and punitive damages. Additionally, knowingly providing false information to a consumer violates 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

Reference to Current Legal Action Against You : I am aware of the ongoing lawsuits filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ), holding you accountable for inaccurate reporting, failure to investigate disputes properly, and other violations of the Fair Credit Reporting Act. This only reinforces your lack of integrity and failure to comply with federal standards. 

Demands : 1. Remove XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report immediately. 
2. Remove all unauthorized inquiries, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX within 7 days. 
3. Provide the detailed method of verification used to validate these inquiries, including original documentation from the data furnishers proving I authorized them. 

With my state Attorney Generals office and file a formal suit. Furthermore, I will explore legal action for damages due to your continued violations of the FCRA and willful negligence. 

You have 7 days to respond and rectify these issues. If I do not receive confirmation of removal and satisfactory verification of your investigation, I will escalate this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
My identity was stolen in a data breach, and now a collector contacts my employer several times a week. 
They call me regularly on my cellphone even after I have asked them to stop. 

The phone number they keep calling me from is 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: 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 a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings 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. Thanks!

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