vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I am submitting, for the third time, information that shows my XXXX account balance, which is being incorrectly reported on my credit report as XXXX seperate accounts ( double what I actually owe. I have submitted complaints XXXX to the CFPB regarding Transunion 's refusal to remove this incorrect information from my record. It appears that Transunion is not investigating these claims as required by law. If a human were involved in this dispute and reached out to XXXX, this information would have been corrected when I first disputed it three months ago. This is my last complaint to the CFPB before I plan to move forward with litigation. After the second complaint I filed, Transunion responded that they would follow up with more information via postal mail and never did.

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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>. I went to the Chase Bank branch located on XXXX XXXX XXXX XXXX XXXX, tho deposit {$1000.00} to my Savings Account ending on XXXX. 

I started the deposit and the machine opened for me to deposit my money inside. Since it would not close after some time, I thought that it might have to do with the fact that the bills were not completely straight ( as I had bended them prior to the deposit ) so I decided to pick my money and try again, which I couldnt end up doing due to the ATM suddenly closed almost trapping my hand. The machine malfunctioned and gave me a receipt instructing me to call costumer service to make sure that the deposit went through. 

I checked my savings account balance and no money was added to it. I consulted the Chase Bank worker at the desk about what happened and she told that I would need to contact costumer support directly. 

A claim was opened under the number XXXX, and I was told that the bank would look it over. A couple of days later I received a {$3000.00} credit fund by the bank while they were investigating the transaction I reported. 

I was then contacted on XX/XX/XXXX by the bank, were they informed me that no transaction had been found and that they would take the credit back. I called costumer support and updated my claim, where I stated once again that I was missing the {$1000.00} that I deposited on my saving account and that I couldnt believe that they didnt check the cameras where I was clearly recorded depositing the money onto the ATM. 

The case was updated and I was told that they would investigate again. Today, XX/XX/XXXX, I received another statement about the claim I made on XX/XX/XXXX ( No. XXXX ). After contacting customer service, they made me know that the case was closed and that after checking the ATM I could no longer file any other claim about the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I purchased a brand new car in XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX of XXXX in Massachusetts with ongoing engine light and technical issues. I reached out to the dealership and their customer support twice to repurchase or refund of the purchase and I got denied twice. I believe this is an unfair practice, selling the vehicle to me with so many issues. 

Below dates pertaining to the issues with the car since purchased. 

. XX/XX/XXXX Check Engine Light On XX/XX/XXXX Return my car for service, the dealership was unable to address additional issues on XX/XX/XXXX. ( My car was at the dealership for service for almost 1 month ) On XX/XX/XXXX Check Engine Light XX/XX/XXXX Airbag light came on. 
XX/XX/XXXX Airbag light came on. 
XX/XX/XXXX Check Engine Light XX/XX/XXXX Went to pick up the car and found out other issues with the car ( reverse traffic detection not available, unable to connect phone to the car ) The car was at the dealership for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In my experience, I have encountered the following issues with my disputes : XXXX. Limited Dispute Submission Process : Your process for submitting disputes restricts my ability to fully and clearly describe the inaccuracies I am trying to resolve. This limitation has prevented me from providing sufficient detail to ensure a complete and accurate investigation of my disputes. 
XXXX. Failure to Review Submitted Information : Despite submitting supporting documentation and relevant information to help clarify and resolve the disputes, I have found that Equifax has often failed to consider or review the materials I provided thoroughly. In many cases, my submissions appear to have been either ignored or not given proper weight in the dispute resolution process. 
XXXX. Failure to Meaningfully Review Furnisher Responses : In instances where you forwarded my dispute to the furnisher for investigation, I have observed that you did not adequately assess whether the furnishers response was consistent with the information I provided. Furthermore, at times, contradictory information seemed ignored, and the dispute was resolved based on incomplete or inaccurate responses. 
XXXX. Confusing or Contradictory Correspondence : I have received letters from Equifax that contain conflicting statements regarding the status of my disputes. For example, I have received letters that simultaneously state, This has been verified as accurate and This item has been deleted, creating confusion and uncertainty about the resolution of my disputes. 
Despite my repeated attempts to resolve these issues, inaccurate information remains on my credit report, which is having a negative impact on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I provided clear statements that I was disputing the unauthorized debt to XXXX, XXXX, XXXX, XXXX XXXX and MRS BPO LLC. Please see the debt validation letters attached dated XXXX XXXX XXXX, final attempt on XX/XX/XXXX with the Certified Letter # XXXX, asking for specific details about the debt being reported inaccurately. I reached out to all of these reporting agencies around XX/XX/XXXX, and received a letter attached online, saying they were going to investigate, but I still have not received anything in writing to show what course of action ( s ) were taken, or anything given from them to say what they were using to determine how they investigate and/or how they came to a conclusion/findings. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to investigate the accuracy of the listing. I requested to be supplied with the valid data used by using the Federal Trade Commission ( XXXX XXXX XXXX and XXXX  ) letters given when I reported my identity, emails, Driver 's License ( ID ), accounts created, and money being stolen. Police Report Numbers XXXX and XXXX, were also attached. 
MRS BPO LLC, the debt collector, failed to validate the debt despite a certified letter request, received the signed return receipt back in XX/XX/XXXX. The debt is listed under XXXX XXXX. I outlined all records to be sent to me. Creditor failed to respond to debt validation and findings for fraud. They only provided the single-page letter dated XX/XX/XXXX, referring back to the unauthorized company. MRS BPO LLC failed to validate the debt and is prohibited from engaging in business in Texas under Texas Finance Code Section 392.101. Per NLMS, debt collector is not licensed/registered in the State of Texas, and have been reported to the Texas Attorney General. XXXX closes the report without their findings and the information I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handing of disputes, patricularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding 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 2025-01-29 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-29 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 writing to formally dispute the reporting of the XXXX Auto Loan ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of this account for the following reasons : 1. Obsolete Negative Information ( FCRA 1681c ( a ) ( 4 ) ) The account is over 7 years old, meaning it will soon reach its statutory limit for reporting. If you can not verify the exact DOFD, it must be removed immediately.

2. Incomplete & Inaccurate Reporting ( FCRA 1681s-2 ( a ) ) The payment history shows several months ( XXXX ) where no data was reported ( marked as ND ), which makes the reporting incomplete and misleading. 

If an account is reported, it must be complete and accurate under the FCRA ( 15 U.S.C. 1681e ( b ) ).

Due to these inconsistencies, the entire record should be deleted as inaccurate under FCRA 1681i ( a ) ( 5 ) ( A ).

3. Potential Data Breach or Unauthorized Reporting ( FCRA 1681b ) I have not received any recent communication from XXXX regarding this account, raising concerns about whether they are still authorized to report this debt. 

If XXXX or any third party can not prove a permissible purpose under FCRA 1681b, the account must be removed immediately.

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 2025-01-29 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB nave brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

4. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

5. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

6. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-01-29 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX Date open XX/XX/XXXX Status paid/closed Amount XXXX Reported by data furnisher XXXX XXXX XXXX Amount XXXX Days open XX/XX/XXXX Status closed Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-01-29 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: VA

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 overdraft fees due to lagged passing of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial 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