vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I sent a debt validation request to XXXX XXXX XXXX on XX/XX/year> via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, they are legally required to provide validation of the debt. It has been over 30 days, and I have received no response. Since they failed to validate the debt, they are in violation of the FDCPA, and this account should not be reported on my credit file. I am requesting that this debt be removed from my credit report immediately. I have attached supporting documents, including my original request and proof of mailing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Late/Open Accounts : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$63.00}

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 2025-01-20 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having sufficient funds when transactions were authorized I was charged fees due to lagged hosting of charges and credits this issue aligns with the recent XXXX findings against Navy Federal for similar practices were transaction settled with insufficient bounces despite inadequately 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 2025-01-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( Equifax ). The accounts in question are : XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated XXXX timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXXXXXX XXXX XXXX XXXX XXXX the issuance of a XXXX form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX XXXX XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Demand for Removal of Balance on Charged-Off Account I am writing to formally dispute the charged-off account listed below on my credit report, as it continues to show a balance despite the account being charged off. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to report accurate information to the credit bureaus.

The account in question was charged off, but it is still reflecting an outstanding balance. Once an account is charged off, the creditor must report the account with a {$0.00} balance, as the debt is considered uncollectible. Continuing to report a balance is a violation of FCRA 1681s-2, which mandates that only accurate and complete information be reported to the credit bureaus.

Legal Basis for Removal of Balance : FCRA 1681s-2 Reporting accurate information to credit bureaus.

FCRA 1681i Requirement to investigate and correct inaccurate information.

FDCPA 1692e Prohibiting the reporting of misleading or false information.

I request that you correct this error by reporting a {$0.00} balance for the charged-off account and remove all comments that violate my right to privacy. If you fail to do so within 30 days, I will consider further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus, as well as pursuing civil damages for any violations. 

Please ensure this correction is made promptly.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MS

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 : address fraud on their platform, leaving m, 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 2025-01-20 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We booked an all inclusive vacation package through XXXX and paid using Chase provided XXXX XXXX Credit Card. Below issues encountered throughout our XXXX night stay : XXXX. The category of room that we booked ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never provided through out our stay. The resort representative and supervisor also confirmed that they do not have the room that we have booked. 
XXXX. The room service took more than XXXX hrs every time. My wife is a diabetic patient and had almost passed out on XXXX night for lack of food. 
XXXX. The hygiene in the room was very bad - sewage smell, fresh towels were not provided, etc. 
XXXX. The quality of drinks/cocktails were very poor quality and nowhere comparable to XXXX star rating claimed by the resort. 
XXXX. Reported these issues to XXXX XXXX XXXX with a promise that they will look into it and improve but no response or no improvement in service. 
XXXX. Overall behavior of staff across the resort was non courteous and as if they never cared. 
XXXX. XXXX of family member had health issue in bar and the staff refused to provide any water or food saying we need to order it through room service. 

We tried to dispute the charges with Chase Credit Card but Chase refused to help stating there is nothing they can do. This is a serious matter which require proper attention since the resort did not care about the well being of their customer even under dire circumstances which could have caused serious health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
My first cashapp account someone hacked into and sent {$60.00} to someone and when I got access to my account I had changed the password and saw that there was {$60.00} sent to someone. I contacted cash app and they denied my claim and didnt refund me my money. On another occasion they completely shut down my account for now reason and the {$100.00} I had on the account was missing and when I contacted them all they told me was I needed to make a new account and they didnt give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I was a victim of identity theft. I filed a police report and an identity theft report with the FTC through their website. TransUnion keeps sending me a generic letter without actually checking my information. This has happened for several years with no recourse to them so they continue to do the same thing. There are several accounts attached that are theft accounts. They have continuously ignored my police report and FTC affidavit regarding this matter. Nothing has ever been researched or contacted the company. these account removed from my credit report as it has hindered me in getting a home loan for several years

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 2025-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Reported balance {$19000.00} Bureau XXXX  Account status Open Opened XX/XX/year> Type Auto loan Term 77 months ( 6 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-01-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: KY

Complaint narrative:
There have been a number of transactions of payments Ive sent to friends and family through Zelle, which they did not receive the payment and the money was still taken out of my account. Ive communicated this with Zelle numerous times and Zelle failed to investigate this issue leaving it ongoing. I choose to use Zelle because of the lack of fees needed to sent or receive funds straight to and from my very own bank account. Zelle has continually failed to investigate and resolve my issues, and Im sure I am not the only consumer of which this issue was occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting

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 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: RI

Complaint narrative:
I took a loan out with lendmark financial. Afterwards I was fired for having covid. After I was let go from my job I have struggled to find work and keep work due to long term covid symptoms. Because of this I have struggled to keep a job, and when I did have work I would try to pay them often times I could only afford XXXX a month and they refused to work with me and would say that XXXX was the minimum they could take, then would continue to allow to my account to build interest while I suffered from the long tem effects of a global pandemic. I was recently offered a settlement but they said the settlement price would only work if i could pay them in two lump sums over 2000 each. I think these practices are completely inhumane.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent and inaccurate items on my credit report, which I believe are a result of identity theft stemming from a recent data breach ( specifically the [ XXXX breach or another breach if applicable ] ). I have noticed several unauthorized accounts listed on my credit report, which I did not open or authorize. 

The fraudulent accounts are listed by the following credit bureaus : XXXX XXXX XXXX These accounts appear as open credit lines and/or collections, which are affecting my credit score and my ability to obtain loans or credit. These fraudulent accounts were opened without my consent and I believe they were created using my personal information, likely due to the breach.

I have disputed these items directly with the credit bureaus, but they have not been removed or corrected, despite providing a fraud affidavit and filing a police report. Additionally, [ list of companies involved, such as debt collectors or original creditors ] have reported these fraudulent accounts, even though I never authorized them.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that no information related to credit or financial matters can be reported without my written consent, unless a legitimate exception exists ( such as an application for credit or a legitimate business purpose ). Since these accounts were opened without my consent and no written authorization was provided, their inclusion on my credit report is in violation of this provision. 

Additionally, under the FCRA ( 15 U.S.C. 1681i ), I am entitled to have any inaccurate, incomplete, or fraudulent information removed from my credit report after filing a dispute. 

Furthermore, under the Identity Theft and XXXX XXXX XXXX of 1998, I am entitled to have fraudulent information resulting from identity theft removed from my credit report upon providing evidence such as a police report and fraud affidavit.

Company response to consumer: Closed with explanation