vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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, Experian '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 E Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
On XX/XX/year>, a fraudulent account was opened in my name with XXXX XXXX for {$460.00} without my knowledge or consent. This account resulted from identity theft. To address this matter, I filed an identity theft report with the FTC and submitted it to ChexSystems along with supporting documentation, including a copy of my government-issued ID, Social Security card, proof of address, and other necessary materials to substantiate my claim. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), ChexSystems is legally required to block fraudulent information from my file within four business days of receiving sufficient documentation, including an identity theft report. The FCRA specifically allows consumers to submit an identity theft report as defined under 15 U.S.C. 1681a ( q ) ( 4 ), which does not require a police officers signature. The FTC identity theft report is recognized as a valid and sufficient document under federal law, and requiring a police officers signature is an arbitrary demand that is not supported by the FCRA.

Furthermore, this same FTC identity theft report was previously used to successfully remove a fraudulent account with XXXX XXXX XXXX XXXX ( XXXX ). The sudden imposition of an additional requirementdemanding a police officers signaturecreates an unjustified inconsistency and is in direct conflict with the provisions of the FCRA and Section 605B of the Act, which obligates credit reporting agencies and furnishers to honor FTC reports without additional burdens.

This inconsistency is unacceptable and represents a failure to comply with federal law. I request that ChexSytstems promptly remove the fraudulent account from my file without further delay. Failure to act in accordance with the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ) will leave me no choice but to pursue all legal options to protect my rights and hold ChexSystems accountable. 

I trust that this matter will be addressed immediately to avoid further harm to my financial reputation.

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 2025-01-26 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
This is a formal demand for the immediate removal of inaccurate, incomplete, and unverifiable information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). XXXX, XXXX, and Exeter Finance have violated FCR

A 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they reported. This inaccurate information has harmed my credit profile and must be deleted without delay.

Under FCRA 1681i ( a ), credit reporting agencies are required to delete any disputed information that can not be verified. Exeter Finance, as a furnisher of credit data, has further violated FCRA 1681s-2 ( b ) by failing to properly investigate and correct this inaccurate information. Additionally, if this information was reinserted after prior removal, this action was taken in violation of FCRA 1681i ( a ) ( 5 ). You are required by law to immediately remove all inaccurate and unverifiable data from my credit report and ensure that no further violations occur.

Failure to comply with this demand will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to seek legal action to recover statutory and punitive damages for your ongoing violations of the FCRA. This matter must be resolved immediately to avoid further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
This is a formal demand for the immediate removal of inaccurate, incomplete, and unverifiable information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). XXXX, Experian, and XXXX XXXX have violated FCRA 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they reported. This inaccurate information has harmed my credit profile and must be deleted without delay.

Under FCRA 1681i ( a ), credit reporting agencies are required to delete any disputed information that can not be verified. XXXX XXXX, as a furnisher of credit data, has further violated FCRA 1681s-2 ( b ) by failing to properly investigate and correct this inaccurate information. Additionally, if this information was reinserted after prior removal, this action was taken in violation of FCRA 1681i ( a ) ( 5 ). You are required by law to immediately remove all inaccurate and unverifiable data from my credit report and ensure that no further violations occur. 

Failure to comply with this demand will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to seek legal action to recover statutory and punitive damages for your ongoing violations of the FCRA. This matter must be resolved immediately to avoid further action.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was scam outta $ XXXX from some XXXX guy and after taken my money he block me.I never got my refund cuz it was a scammer after cashapp promise me a refund it's been XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. XXXX XXXX XXXX, Account XXXX. 
XXXX. XXXX XXXXXXXX, Account number : XXXX, XXXX. XXXX  XXXXXXXX XXXX, Account number : XXXX XXXX. XXXX XXXX, Account number : XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX. Account number : XXXX. 
XXXX. XXXX XXXX XXXXXXXX XXXX Account # XXXX. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. XXXX XXXX XXXX, Account XXXX. 
XXXX. XXXX XXXXXXXX, Account number : XXXX, XXXX. XXXX XXXX XXXX, Account number : XXXX XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. XXXX XXXX XXXXXXXX. Account number : XXXX. 
XXXX. XXXX XXXX XXXX XXXX, Account # XXXX. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a compliant against Capital One regarding the deceptive practices related to their XXXX credit card accounts. Capital One misrepresented the credit account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Credit Card performance account. this deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the TRUTH in Credit Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OK

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have been charged. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with 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 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I recently check my credit report and had a card for Capitol One maxed out. I have no knowledge of when this card or account was opened. Im very aware of my own accounts so it came as a suprise when my credit report showed more than it was. The account was opened in XXXX not sure exactly what date. I have no physical card and no reach of the account. It is exceeding a {$500.00} dollar max out. I have reported it to my XXXX and XXXX XXXX as an account I have no knowledge of. I have no records of purchases or knowledge of where it has even been used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX for XXXX I was staying in XXXXXXXX XXXX  at my family house. I went to the local XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and made a {$64.00} purchase upgrading some headphones. 

I live in an apartment in XXXXXXXX XXXX  for work ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The day of the unauthorized charges I was here and at work ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). 

XXXX week later on XX/XX/XXXX I receive an email and text asking about an unauthorized charge for {$570.00} at XXXX, as well as a {$2700.00} charge. I selected unauthorized and received a phone call from Citi bank fraud department. They opened a case and my charges were temporarily reversed. 

My account shows only XXXX of the purchases, and it was for a full loaded XXXX, purchased IN STORE at the XXXX location I was at XXXX week prior. I was not physically in town and could not have possibly made the purchase. The XXXX credit card is linked to my account, so I am assuming that is how I was able to get the digital receipt. 

CitiBank XXXX weeks later sent me a letter saying my charges were authorized and that I was responsible for payments. This was during XXXX, and I was back in XXXX to visit family. So I physically went to the XXXX location and spoke to the store XXXX / employee about pulling the cameras and getting information. They said this is a case between CitiBank and myself, that they don't have authority to release footage, but wanted to help me if possible. I have their contacts as witnesses if we need to hear it from employees at the store. 

I have since reopened the case with CitiBank according to the rep, but have yet to hear anything back. I am concerned this is going to ruin my credit and am now reaching out to the CFPB in hopes to help dispute this case. 

Please call me for any information needed, I would like to get this resolved ASAP. Thank you!

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 monetary relief
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information that XXXX XXXX is reporting on my credit report regarding the account referenced under account number. Specifically, the year the account was opened is being reported incorrectly. 

Upon reviewing my credit report, I noticed that the account is listed as opened on XX/XX/year>. However, based on my date of birth, wasn't even born when this account was opened. This discrepancy is negatively impacting my credit report and overall credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX is required to ensure that all information furnished to credit reporting agencies is accurate and up-to-date. This incorrect reporting violates those requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions Transunion 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 Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are the following XXXX XXXX XXXX XXXX paid and closed XXXX XXXX XXXX identity theft one XXXX XXXX XXXX  identity theft as well current was paid and closed

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 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Tesla, Inc.
State: IL

Complaint narrative:
I am victim of identity theft, and its being pulled in my hard inquiries

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion 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, TransUnion '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
Heres your customized dispute letter : XXXX Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S. Code 1681o ) To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed the following accounts are inaccurately listed as mine : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX : {$800.00} XXXX. XXXX Account Number : XXXX Amount : {$1000.00} These accounts are not mine. I have never opened or authorized these accounts, nor have I received any certified documents or agreements bearing my signature to verify their validity. The reporting of these accounts is incorrect and has negatively impacted my credit score.

Under 15 U.S. Code 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Negligent noncompliance with this responsibility can result in liability for damages to the consumer. I am requesting that you : 1. Conduct a thorough investigation of these accounts under 15 U.S. Code 1681i.

2. Provide me with written confirmation of your findings within the legally mandated 30-day timeline.

3. Remove the inaccurate information from my credit report if it can not be verified.

Please note that the presence of these accounts is damaging my credit score and causing unnecessary hardship. If this issue is not resolved promptly, I am prepared to take further legal action to protect my rights. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and keep me updated throughout your investigation.

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