vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I have filed a dispute numerous times to delete these negative items due to identity theft off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX handling of fraudulent transactions on my account demonstrates clear negligence, and as I understand it, failure to uphold consumer protection laws. 

On XXXX XXXX 2025, after promptly reporting a fraudulent XXXX charge of {$650.00}, I called Wells Fargo customer service to report the fraud. My card was canceledan appropriate first step. However, despite this alert, an unauthorized {$9800.00} transaction was processed just hours later. My account was evidently not flagged for suspicious activity, and Wells Fargo made no attempt to verify or block this transaction, despite it being grossly outside of my normal banking behavior. 

That same morning, at an in-person meeting at the XXXX XXXX  , I was informed that this {$9800.00} ( bill pay to XXXXXXXX XXXX XXXX ) transaction was still pending. I reasonably expected Wells Fargo to act quickly to prevent its processing. Instead, without any communication, the funds were briefly returned to my accountonly to be inexplicably reversed the following morning, again without explanation. 

I was told my claim was denied but I was not provided any explanation. 

The lack of transparency and due diligence in handling this matter, combined with the unjust denial of my claim, has caused significant financial and emotional distress. I have spent hours at the XXXX XXXX  attempting to resolve this situation. I have also submitted all requested documentation, including : A police report ( officer card with report/case ID attached ) A computer repair report verifying removal of remotely installed XXXX  XXXXXXXX XXXX  second claim was opened, but the bank representative told me she has been informed that it will be denied, but provided no other information. 

I am seeking your help in recovering {$10000.00} ( fraudulent XXXX withdrawal {$650.00}. + fraudulent {$9800.00} withdrawal ) and any potential overdraft fees. 

Thank you for your assistance

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 2025-02-02 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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Reinvestigate Late Payment Dear Experian, I investigated this Late Payment Error referencing the Account name XXXX XXXX  Account # XXXX, and it returned verified on XX/XX/year>. Per USC 1666B, A Creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Please provide a verification method without using the E-Oscar system, starting with the name of the individual who worked on the dispute, date, and time. List every third-party resource used to help with the verification process. These inaccuracies have affected my creditworthiness. If you can't provide this, please make the necessary corrections to my consumer report with NO DATA or Current. 


Sincerely, 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 2025-02-02 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:
Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Fraudulent Hard Inquiry Due to Identity Theft Dear Experian, I am writing to formally dispute a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX, which I did not authorize. I have never applied for any credit products from XXXX XXXX XXXX, and I believe this unauthorized inquiry is a result of identity theft. My personal information was exposed in the XXXX data breach, making me a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, credit reporting agencies are legally required to block or remove fraudulent information within four business days of receiving an identity theft complaint and supporting documentation. Additionally, the case law XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) has reinforced that credit bureaus must take prompt action to correct identity theft-related inaccuracies in consumer reports. 

Enclosed, I have included the following documents to support my claim : A copy of my identity theft report, as required under FCRA. 

A copy of my government-issued ID for verification purposes. 
As mandated by law, I request that Experian : Immediately remove the unauthorized hard inquiry from my credit report. 
Provide written confirmation that the inquiry has been deleted. 
Send me an updated credit report reflecting this correction. 
Failure to comply with the FCRA may result in legal action to enforce my rights. Please address this matter promptly and confirm the resolution in writing within the required timeframe. 

Thank you for your immediate attention to this matter. If you require any additional information, please contact me at [ Your Phone Number ] or [ Your Email ]. 

Sincerely, 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 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MO

Complaint narrative:
I had a due date of XX/XX/2025 for the payment on my student loans. I logged into my account to make a payment at XXXX AM on XX/XX/2025 to submit the payment and found that the loan service had charged me a late fee of {$100.00}. I had to make the payment with the late fee because I can not get a hold of the loan service due to their call centers being faulty. I tried twice to get through to the loan service, and the robot on the call does not accept the prompts selected and keeps repeating it self to select a prompt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to adequate 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 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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
Discrimination by denying me my own credit. Ss # and endorsement already paid for the credit card then they take my application and go.to the federal reserve to credits. Its ridiculous and I want to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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, Equifax '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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a customer of Bank Of America and had 4 credit cards with them. They cancelled all my credit cards without prior notice and i believe it was because i am a conservative. I believe this is discrimination. It was on the news also about what happened to many others with this Bank.

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 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
Linebarger Goggan Blair & Sampson LLP has been acting as a collection agency on behalf of the New Jersey XXXX XXXX. On XX/XX/XXXX, I sent Linebarger Goggan Blair & Sampson LLP a cease and desist letter regarding account No : XXXX. I sent this letter certified mail. I even put in bold type " You are to immediately stop contacting me regarding this issue ''. According to the United States Postal Service records, the letter was received by Linebarger Goggan Blair & Sampson LLC XX/XX/XXXX at XXXX. On XX/XX/XXXX XXXX months after the cease and desist, I received another collection letter from Linebarger Goggan Blair & Sampson LLP. This letter did not state it was from a Debt Collector and had the words DEMAND FOR PAYMENT in bold and underlined on the top.They are acting as a collection agency and must fully comply with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: AL

Complaint narrative:
Overdraft issue, and un authorized issue causing Overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX and XXXX XXXX by Certified mail ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Asking them to return my {$40.00} dollars for late payment charges as you can clearly see i was never late according to my XXXX consumer report. Their responds was everything came back verified which is a big lie!!!! its been 2 months i havnt heard anything from XXXX XXXX XXXX XXXX... ( XXXX # XXXX ) I WANT MY {$40.00} DOLLARS BACK!!!!! WHO KNOW HOW MANY CUSTOMERS THEY BEEN SCAMMING LIKE THIS FOR YEARS!!! XXXX My XXXX  consumer report clearly shows i was never late and on time!!!!!

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 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
In 2023, I was scheduled to move into an apartment but was not permitted to view the unit until the designated move-in date. Upon my first visit, I was dismayed to find the apartment in unacceptable condition, with visible mold, unsanitary features such as XXXX in the toilet, a XXXX  smell of cigarettes, and a dirty stove. Given the state of the apartment, I made the decision to cancel my move-in plans and promptly informed the property management of my decision. The management team expressed their apologies for the situation and returned my money order, which I subsequently deposited back into my account. Despite this resolution, I have faced ongoing disputes with the property management regarding charges related to the apartment, totaling {$13000.00}, despite never having moved in. This situation has significantly impacted my credit score, causing considerable distress. I believe these charges are unjust, and I am seeking assistance to rectify this matter. I'm also going to attach my current lease agreement i have now where i am actually living. I moved here XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 asked that my report be updated to remove an address that is being reported and nothing has been done and this was months ago

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 2025-02-02 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: PA

Complaint narrative:
I asked that my report be updated to remove an address that is being reported and nothing has been done and this was months ago

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX XXXX stating that there had been a new inquiry to my credit report. When I further investigated this report I discovered that there had been a Capital One Platinum credit card that was applied for under my name. I immediately called and froze my accounts with the credit unions. The next morning I called Capital One and told them that this wasn't me and they seemed very confused. The reason for their confusion was that whoever applied for this card used my email address and phone number for the account. They said this was strange because that would mean I would get all of the notifications and verifications linked to the new card. I am also the type of person that checks their email constantly and my email was flooded with around XXXX emails from random companies that my email was subscribed to right after the card was taken out. I believe this was done to hide the email of the card information. It was still strange that I was getting verification texts. On XX/XX/XXXX ( If I remember correctly ) I got a notification from XXXX that popped up on my phone stating " Device Added to Your Account ... An XXXX XXXX now has access to XXXX. If you don't recognize this device you can remove it in settings '' This was very alarming because now this person was trying to gain access to my messages and also would have access to my photos. I mention the photos because ( and I'm very aware this is not smart and I've since deleted these types of photos ) I had photos of my credit cards in my camera roll. I obviously reported the device, but now I'm afraid this person has access to my social security number, email address, subscriptions, XXXX  account and possibly even my XXXX account. I also found notifications in my XXXX settings that I now have " Services Included with Purchase '' with 3 months free of XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I have since had everything including my investment banking frozen and my savings transferred to a separate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: IL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, TransUnion consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, TransUnion 's 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 enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

Furthermore, TransUnions negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Experian, I am writing to formally dispute a series of unauthorized hard inquiries that have appeared on my credit report. My personal information was exposed in a data breach, and I am a victim of identity theft. As a result, there are XXXX unauthorized inquiries on my credit report that I did not initiate or authorize. These hard inquiries are negatively impacting my credit score and should be immediately removed. The inquiries in question include but are not limited to :

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