vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I was in my Chase account where I had an auto loan, and I was looking into balance transfers. Specifically card balance transfers, due to accruing interest etc. Credit Karma said I had outstanding approval odds. When I picked out what I wanted it asked about the balance transfer about and I think it was XXXX. When I went through everything, it went to the next page with a pop up window asking if I wanted to accept the card offer. I didnt. So I exited. Instead of a balance transfer they just opened a card for XXXX limit which was not what I requested nor even close to what I needed. I promptly called the bank and was passed around 3 or 4 times. I asked them how to get rid of it because I didnt want to open the account in the first place. I believe this is fraudulent and I am reporting this to the consumer financial protection bureau as well due to this outlandish deal. There was an accept button that I did not accept. I then panicked because I didnt want to have the open card because I never wanted it in the first place and asked them to undo it. They wouldnt and said they could only close it which impacted my credit score. This is not the first time they have done this as there are multiple reports of people in similar situations as there should not be an accept button if it doesnt matter. It should be clearly stated on the website that when you apply your chances of getting a XXXX credit card with no transfer balance is 100 %. I believe this is intentional as people would rather keep the card open then have the card closed and have it impact there score. The card was opened and closed the same date within XXXX minutes. I dont want anyone else to be affected like I have as its been very frustrating trying to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues like failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The account and charges were reported as fraud. I even submitted a video to Navy Federal of the suspect and his toddler, who he directed to take the credit card from the front porch. I provided a police report, disputed with them personally, and they are still harassing me via telephone and email regarding collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax I have reported that someone was using my credit and that I did not make certain inquiries or charges on my account they did not send me any information that I needed to continue to get this off of my credit and it has caused problems nor have they resolved the issue in fact all three credit bureaus have different credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, I tried to dispute a transaction through cash app that was made on XXXX for a payment of XXXX. I tried doing it twice because I was granted a refund and never recieved it from the consumer that took my money. I was reminded each time through cash app. The support thats supposedly is there to help doesnt help. I dont even think its a real person behind the screen. Once I was defined twice I gave up. Cash app was suppose to tell me the documents that supports there decision to deny my dispute but never presented the information. Secondly I made a dispute for XXXX on XX/XX/XXXXXXXX XXXX XXXX. Someone scammed and took money from me that I could not get back from cash app. I present my evidence and they denied and told me they had certain documents that supported their decision and never presented the information at hand. No call number and no support on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Im writing to express my concerns regarding his house handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues, the platform, despite using cell numerous times and important discrepancies my financial institution in Zelle fail to investigate my claims adequately. They informed me that recovering loss funds was impossible in that tracking these transactions was unfeasible the CFPB find it indicate that Zelle has not only neglect to protect consumers, but also allow repeat offenders to explore the system. Leaving user vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
This was back in XXXX time frame I was sent an email from cashapp stating that we needed to send money to an account to get our money back that we had already sent money to which was XXXX dollars, I had just gotten married and my wife and I were scammed out of XXXX dollars due to this scam we lost out on a months worth of rent. Cashapp needs a proper response to getting users lik myself help from scams and such. They have no help lines or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I have a CIG AutoNation Vehicle Loan and I made a {$500.00} payment on XX/XX/year>, but the servicer refuses to allow me to login to the portal and see the payment or my statements, nor my loan documents until I remit an additional i {$990.00}, and when merely asking to see this info or access my statements or my car loan documents, I am BLOCKED from the account. On the phone for customer service they said I am not entitled to this information until I remit more payments but then wont even allow me to see to what the payments would be applied, what months, what fees, or anything. I would like to have access to my account information so i can make informed decisions about my credit my balance and my options, but can not see anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian 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, XXXXXXXX XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate # XXXX and XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays has an account opened that is not something i consented to or agreed to Barclays account number XXXX. 
This account is fraudulent This account is not my responsibility This account does not have any signature or application or request from me with information. 
This account is not mine. 
Please delete and remove per the 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 lagging posting of charges and credits. This issue aligns with 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 and 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
I was alerted by a credit reporting agency that a collections account was placed on my credit report. Confused I reached out to the collections agency and after attempting to collect information several times and being hung up on and told to call the police without getting even an account number or explanation as to why I have never received any correspondence in attempt to collect so called debt I gave up. I was able to get some info online but I have no knowledge of this debt nor would i have any medical or other debt due to my type of insurance that covers every medical procedure I have not been to a dr since I gave birth XXXX  years ago so this can not be mine. I need the wrongful negative mark taken off my credit report as i am in the process of financing a large purchase and this fraud is hindering my ability to do so at the terms I want. As I researched I noticed I am not the only person that is being harassed by this company and I wonder how they are allowed to continue the fraud business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a complaint against JPMorgan Chase 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 JPMorgan Chase 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This financial institution has been engaging in financial crimes and fraud. This financial institution has opened or allowed to be opened one or more business accounts with my information which was used by bank members to engage in bank and/or wire fraud. The bank violates the state of new york 's laws with respect to privacy laws, data security, bank fraud, wire fraud, unlawful tracking, stalking, and camera monitoring together which the bank uses for or enables socially engineered fraud very similar to the XXXX XXXX unauthorized product fraud scandal. XXXX is doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violatio
ns

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had reported to bofa identity theft and unauthorized charges to my checking account. The amt was XXXX XXXXXXXX # ending in XXXX they initially declined my claim # XXXX but would reconsider if i provided new evidence and written affidavit which i sent in a police report and signed affidavit.a week or two later they sent me the same declined letter so i requested the information used to make decision. All they based their decision on was the debit card charges statement which does not merit a proper investigation into the use of the card. They consistently refuse to withhold there written cardholder agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The companies were not able to validate the debt or show where I agreed for them to sell any alleged debt and still report it to my credit per several requests from me via phone, online, and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P.
State: MN

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 XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, 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 ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( 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 XXXX and XXXX : 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. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect you to handle this dispute with the upmost seriousness and compliance with legal standards. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Experian has failed to fulfill it's 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 systemic 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 explanation