vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A fraudulent check was written on my account on XX/XX/year> in the amount of {$17000.00}. The reverse side of the check indicated that it as to be a mobile deposit into a XXXX account. XXXX does not allow mobile deposits over {$1000.00} due to fraudulent activity. Somehow it was then deposited into XXXX XXXX. The handwriting on the check was not mine and I did not write the check. I reported it to Wells Fargo on XX/XX/XXXX, made a police report and closed the account as instructed by the bank. The bank wrote me that they concluded their investigation and denied reimbursing me as too much time had passed. I wrote a certified letter to the Check Fraud department requesting to know what research was done before my check was denied, what documents were reviewed, what letter were sent, what efforts were made to find XXXX XXXX who had endorsed the check. I wanted to know why Wells Fargo never contacted me to attempt to determine the validity of the check, especially in light of all the red flags. Also if it was endorsed to XXXX, how did it get deposited into XXXX XXXX. the police officer investigating my case wants to know if Wells Fargo made any effort to locate 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIUALITY UNDER 15 USC 1681.

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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 An 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, 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 BELEIVE 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIUALITY UNDER 15 USC 1681. 

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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 An 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, 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 BELEIVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, Synchrony Bank claims that they have " erroneously applied '' a payment of {$3000.00} ( XX/XX/year> letter from their Customer Service Department ) to my account ... XXXX and therefore they have charged that account {$3000.00}. It should be noted that I have XXXX XXXX XXXX XXXXXXXX, Synchrony Bank 's ... XXXX credit card statements that disprove their " erroneously applied '' claim. I have worked for 10 months, trying to resolve this issue -- to no avail. I have communicated with 20+ company representatives, sent 3 FAXES that provided documentation, and filed 2 complaints with CFPB ( consumerfinance.gov ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to report potential violations of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act concerning an account originally opened with Capital One on XX/XX/XXXX. This account shows a debt of {$610.00} with a stated term of one month, which is inaccurate.

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Furthermore, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Additionally, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete.

I have attempted to discuss the payment discrepancies with the debt collector, but they had no answers for me. Furthermore, I have noticed discrepancies in the reported payments, specifically an inaccuracy in XX/XX/XXXX, where there is no data provided. This raises concerns about the validity of the debt and compliance with the aforementioned laws.

I request that your office investigate this matter and take the necessary steps to ensure that my rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors.

Old/Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Date of Birth : Not listed on XXXX or XXXX but listed on TransUnion as the Year only.

I demand that these items be investigated and removed as well as updated from or on my 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never authorized the opening of this account nor did I authorize this account to be sold nor did I receive a 1099-C for charged-off account from XXXX XXXX XXXX XXXX nor 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 2025-01-28 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: FL

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, XXXX, and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
Credit Management Services , Inc has sued me for a medical debt. I was not ever informed of my medical debt being sold to a third party debt collector by the original company or the debt collector.

In addition, the company did not make any phone calls, email attempts, or any mailed attempts to collect said debt. They also failed to inform me I could be sued for this debt. I was completely unaware there was even a debt accrued due to still paying the same medical company on bills that they were sending me, which are now fully paid off.

Furthermore, I had reached out three separate times over email to try and work out a solution with the debt collection agency, to which I have yet to receive a response to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I filed a complaint # XXXX and it was closed. I am filing new complaint, as the last was not resolved completely. Chase Executive officer stated that the photos taken by appraiser would be for internal use only, so I proceeded, and photos were taken. In Chases response to the above referenced complaint they stated that the photos would be made public. I did not agree to have photos made public and it is a clear violation of my privacy and an ethical issue as they clearly stated the photos were for internal use and no one would see them other than the PMI mortgage team. I would like to either reopen the above complaint or start a new one. I Chase Executive team was very clear my photos would not be made public. I need to be assured that they will not, as the appraiser included personal belongings in photos. I am concerned for my privacy and safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX {$15.00} USC 1692c ( C ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to protect 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 ). These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
On XX/XX/year>, I received a letter from Jacob Law Group regarding this alleged debt. In response, I made a formal request for specific documentation to substantiate their legal standing to collect the debt. However, Jacob Law Group failed to provide the requested documents and, instead, forwarded what appeared to be partial account statements, which do not substantiate the debt or their authority to collect it.

Rather than supplying the requested documentation, your Jacob Law Group proceeded to file a lawsuit on behalf of XXXX XXXX, XXXX. T

he intention behind this legal action appeared to be to secure a default judgment, relying on the presumption that I would fail to respond within the required time frame. By filing this lawsuit without the necessary documentation and in an attempt to bypass the required debt verification process, Jacob Law Group used the legal action as a tool to threaten, intimidate, and harass me into submission. After multiple appearances in court, the law suit was dismissed because Jacob Law Group filed to prove their claim of the alleged debt.

Attached is the two correspondence sent to Jacob Law Group that was ignored and a copy of the law suit and its dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent multiple dispute letters to TransUnion regarding multiple inaccuracies on my consumer report. Despite providing evidence, TransUnion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors.

Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : 1. [ US DEPT ED ] XXXX 2. [ US DEPT ED ] XXXX 3. [ XXXX ] XXXX* Under 15 U.S.C . 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met. Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against XXXX. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Spring Oaks Captial has a collection listed on my report that is past the statute of limitations allowed by the FCRA. The account in question from the original creditor, went delinquent midyear XXXX. As of this date, the account in question is past the 7-year limitations provided by the FCRA. I have disputed the account with the creditor, and they verified everything as accurate, but noted they changed the date on the account to XXXX XXXX XXXXXXXX. If a change was made to their records, obviously it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am writing to file a complaint formally regarding multiple overdraft fees that were applied to my account. These fees were assessed despite having sufficient funds available when the transactions were authorized. However, I was unfairly charged overdraft fees due to the delayed posting of charges and credits. The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

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