vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I initiated the dispute because I did not receive the goods or services promised for these transactions. The merchant, XXXX, confirmed in writing that they are unable to fulfill the purchases and can not issue refunds due to a hold placed on their account by their payment processor, XXXX. Attached to this letter, I have provided the following evidence : 1. Email correspondence from XXXX ( dated XX/XX/2024) stating they can not fulfill services or issue refunds. 2. Confirmation from the merchant that funds are being held by their payment processor and advising customers to dispute the charges with their banks. 3. Documentation from XXXX, provided by XXXX, explaining their inability to process refunds. These communications clearly indicate that the merchant has not and can not fulfill the transactions, which constitutes a failure to deliver goods or services. Applicable EFTA Regulations : Under the EFTA ( Regulation E ), I am entitled to certain protections as a consumer : 1. Proper Investigation : Financial institutions are required to investigate disputes thoroughly and resolve errors within 10 business days. If more time is needed, they must provide provisional credit while continuing the investigation. 2. Valid Dispute for Non-Delivery : The non-receipt of goods or services is considered an error under the EFTA, and I have provided sufficient evidence to demonstrate that the goods/services were not received. 3. Written Explanation : If a dispute is denied, the institution must provide a written explanation detailing the reason and evidence relied upon for the decision. Based on the evidence and correspondence from the merchant, I believe that Chime 's denial of my dispute does not comply with the EFTA, as it appears the claim was not properly investigated, and no explanation was provided to refute the documentation I submitted. Request for Reconsideration : I kindly request that Chime re-investigate my dispute and issue a refund for the disputed amount of {$690.00}. I have provided additional evidence with this letter to support my claim. Should Chime find that my dispute is still not valid, I request a detailed explanation, as required by Regulation E, including the specific evidence used to make that determination. If this matter can not be resolved, I may escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with the EFTA. Thank you for your prompt attention to this matter. I trust Chime will act in accordance with its obligations to provide fair and thorough resolution of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: GA

Complaint narrative:
In XX/XX/XXXX someone opened up a NetSpend prepaid debit card in my name, using my information. They redirected my unemployment funds to this card for three weeks in XX/XX/XXXX and XX/XX/XXXX, stealing a total of {$1400.00}. I recently became aware of this by the XXXX XXXXXXXX who revived this information through a subpoena that XXXX responded to, stating that the pre paid debit card was issued by NetSpend. I cobtacted NetSpend several times via phone and email. Seems they are avoiding actually connecting me with a supervisor when I request one. They send me to a voicemail that doesnt allow me to leave a message and then takes me back to the beginning of the automated menu. Reps over the phone and via email keep giving me the run a round. I just need a statement in writing to submit to XXXX XXXXXXXX confirming that the account that received my unemployment funds was fraudulently created.

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 2025-02-06 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: LA

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 explanation
Consumer complaint received 2025-02-06 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: LA

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Method of Verification Unverified Account Dispute To Whom It May Concern : TrueAccord XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 
To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification. The exact steps taken to investigate my dispute. 
Copies of any documentation used during the investigation process. 

2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated. 
Please note that under XXXX U.S.C. XXXX ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further. 
If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action. 

This company continuously harass me in emails, phone calls, and mail. I never conducted business with this company nor did I ever shared any of my personal information. My information was given to this company and that is considered fraud. The emails, calls and mail is addressed to a XXXX XXXX Im not aware of that name. My name is listed above and that is my ONLY name. 

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges.

2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name.

3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt.

4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim.

I filed a previous claims with CFBP at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
incorrect name reporting on report, just showed up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 proce 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not receive the requested information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to have it corrected. The issues I have encountered align with the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which highlights failures in properly handling disputes and correcting inaccurate information. 

I have attempted to resolve these errors through the proper dispute process, yet the incorrect information remains, negatively impacting my credit standing. Below are the disputed items : XXXX XXXX - XXXX Issue : not my account wrong Infromation Supporting Documents : attached license and social As mandated by the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct any inaccuracies within 30 days of receiving this dispute. Given the CFPBs lawsuit against Equifax for similar failures, I expect immediate and thorough action to rectify these errors. 

I request that you : Conduct a full investigation into the disputed items. 

Provide written confirmation of the corrections made. 

Send me an updated copy of my credit report. 

Provide details on how these inaccuracies were verified if no changes are made. 

Please consider this letter as a formal dispute, and I expect compliance with all FCRA regulations. Failure to correct these errors may result in further legal action, including filing complaints with the CFPB and other regulatory agencies. 

I appreciate your prompt attention to this matter. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Experian 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 Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Experian 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 Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I requested a title search of my property. I learned that my partial claim was recorded twice. On XX/XX/XXXX I reached out to HUD, they told me what I already knew, I only have one partial claim and to reach out to my mortgage company loss mitigation department regarding the error. Which I did and provided a copy of my title search showing the {$5900.00} partial claim recorded twice with my county. I had several communications via phone and email. I was told on XX/XX/XXXX by the mortgage company that given the circumstances this will be expedited with their lien release team within XXXX week no guarantee. XXXX made XXXX weeks. Meanwhile I reached out for an update on Monday Tuesday and Wednesday. They're acting as if this is the initial contact regarding this situation. I'm back at square one when I brought this to there attention on XX/XX/XXXX. This is a time sensitive matter which they are aware. I can't speak to anyone except customer service, the escalations, and chat leads. I've been repeating myself for over a month about an error that was done on their behalf. I feel stressed because I can't seem to get any help. I provided the proof everyone is in agreement I only have one partial loan and it's recorded twice with my county Mr.Cooper needs to rectify their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been the victim of identity theft and have supporting documentation. I have asked for the information to be deleted from my credit report and from 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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My husband and I have bank with capital one. My husband 's father ( my father in law ) is sending us a house warming gift for {$3000.00} through XXXX. He sent us a XXXX payment yesterday XXXX in the amount of {$1000.00}. The transaction went through normal with no problems. Be sent another {$1000.00} today XXXX in the same exact way and our bank, Capital One, is holding the funds until XXXX to prevent fraud. The money is coming from our father in law who has the same name as my husband. I offered his contact info to verify it is not fraud or accidental payment. They will not take it and will not release the money until the XXXX. We need this money for our home and cars. We reached out to the bank and spoke to a supervisor who was not helpful at all. He wasnt able to provide any information. We are in hopes that someone can help us resolve this quickly for our finances are already fragile and we are struggling to make it by each month. I appreciate your time and look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
I am filing this formal complaint against Experian for their willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, extensive supporting documentation, and prior removals of fraudulent information, Experian has unlawfully reinserted a fraudulent account onto my credit report and failed to conduct a proper investigation. These actions have caused financial harm, emotional distress, and have severely impacted my credit standing. 

Details of the Fraudulent Account : Creditor : XXXX XXXX Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/year> I initially filed a dispute with Experian pursuant to FCRA 605B, ( 15 U.S.C. 1681c-2 ) providing all necessary proof of identity theft, including : FTC Identity Theft Report # XXXX Official Police Report from the XXXX Police Department Despite receiving this legally sufficient evidence, Experian refused to block the fraudulent account, violating the explicit requirements of the FCRA. 

After multiple disputes and intervention from the CFPB, Experian finally removed the fraudulent XXXXXXXX XXXX account from my credit report. However, Experian unlawfully reinserted the same account without following the required certification process or notifying me, violating : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) which mandates that a previously deleted item can not be reinserted unless the information furnisher provides certified accuracy ; 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) which requires Experian to notify me within five business days of reinsertion, which they failed to do. 

Experian has illegally furnished my credit report, including fraudulent information, to third parties such as XXXX XXXX XXXX XXXX, without my written consent. This is a direct violation of 15 U.S.C. 1681b, which limits permissible purposes for accessing a consumer report. 

In addition to the fraudulent XXXX XXXX account, Experian has failed to remove an unauthorized hard inquiry from XXXX dated XXXX, despite clear evidence of identity theft. Under the FCRA, this inquiry should have been immediately and permanently removed. 

Experian has failed to conduct any meaningful investigation into my disputes. The Consumer Financial Protection Bureau has already sued Experian for engaging in sham investigations and reinserting inaccurate information without proper verification. I am yet another victim of these unlawful practices.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Made payments on my vehicle. Fell behind and made payments to catch up in XXXXXXXX XXXX XXXX. I was told there was nothing else due. Made extra payments in XXXX and I was told everything was fine. I received a late notification on my credit report. I called finance company and I was told I was late {$47.00}. There was a balance rolling over that was not on my bill none of the months. That is the reason for them to report my payments to the credit agencies as late. I tried making the payment on the {$47.00} dollars that were supposedly rolling balance and I was told I could not make the payment until it reflected on my account. They state they can not remove the late payments from the agencies.

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