vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against OPORTUN for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : OPORTUN XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Debt Information : Debt Amount : {$0.00} Original Creditor : XXXX Account Number : XXXX My Request for Debt Validation : I sent a debt validation request to OPORTUN, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that OPORTUN has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with OPORTUN, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that OPORTUN complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX was on to automatically pay balances due on account. Chase Bank or their system shut it off - not the customer - and in turn, a payment was missed with no notification to customer that XXXX had been XXXX or shut off from the company. In turn, a XXXX day late payment was posted unbeknownst to customer. Chase bank admitted their system glitched but refuses to make right with the customer by removing the derogatory mark to credit bureaus. Customer made right with past due balance once issue was realized. In turn, customer is taking a large ( over XXXX ) hit on credit score. Issue is a glitched system on Chase Bank 's end ( admitted by company and company apologized ), but refuses to make it right, and customer suffers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Iam filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. which mandates a reasonable investigation of disputes.Furthermore, Equifaxs 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 XXXXXXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: V and H Portfolio
State: SC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed The account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
I am writing to formally express my concerns regarding Zelle 's XXXX of disputes, particularly in light of the recent 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 of not receiving my money adequately. They informed me that recovering any money sent to me was impossible and that tracking these transactions was unfeasible. The CFPB 's findings 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I XXXX XXXX Nevada I had {$500.00} was missing out of my account and I made a couple calls and got nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am not liable for this debt with Jefferson Capital Systems, I have previously sent a request for debt validation of this account and never received anything from them with this information and now it is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have several addressed listed on my credit report that is inaccurate, I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Al XXXX. I have attached my driver license to show my address.Please remove all of the following addresses from my credit report. 
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 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 explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have several addressed listed on my credit report that is inaccurate, I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX. I have attached my driver license to show my address.Please remove all of the following addresses from my credit report. 
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 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 non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complaint Against : XXXX XXXX Equifax Subject : Discrepancies in Account Reporting and Failure to Provide Verification of XXXX XXXX XXXX Account I am filing a formal dispute regarding the reporting of an account by XXXX, XXXX, and Equifax. I have been disputing this account since XX/XX/2024, but the information continues to be inaccurately reported as verified by all three credit reporting agencies. The account in question is with XXXX XXXX XXXX, with the original creditor being XXXX XXXX and the account number is XXXX. 

Specifically, I am asserting that the credit reporting agencies have violated several provisions of the Fair Credit Reporting Act ( FCRA ), which protects my rights as a consumer to ensure the accuracy and completeness of information reported on my credit report.

Failure to Provide Verification Evidence : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation and ensure that the information is accurate and verifiable. This includes obtaining and reviewing all relevant information provided by both the consumer and the furnisher of the information. However, the credit bureaus have not provided any hard evidence or documentation showing how they verified the account with the furnisher, in violation of the FCRA. This lack of transparency and failure to demonstrate proper investigation constitutes a violation of the law. 

Discrepancies in Reporting Balances : Additionally, there are significant discrepancies in the reported balances across the three credit bureaus : XXXX reports a balance of {$1500.00}. 
XXXX reports a balance of {$1500.00}. 
Equifax reports a balance of {$1500.00}. 
These discrepancies further indicate that the account has not been accurately verified and raises concerns about the reliability of the information being reported. The FCRA ( Section 607 ) mandates that information reported to credit bureaus must be accurate and complete. These inconsistent balances suggest non-compliance with this provision. 

Given these issues, I am requesting that this account be deleted from my credit report as it fails to meet the accuracy and verification standards required by the FCRA. The failure to provide clear evidence of verification, coupled with discrepancies in the reported balance, points to a lack of compliance with both the reasonable investigation and accuracy requirements under the FCRA. 

As a consumer, I am fully aware of my rights under the FCRA, and I understand that if a credit reporting agency fails to demonstrate proper verification procedures, I have the right to challenge the accuracy of the report and seek appropriate remedies, including the deletion of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
Allowing the transactions to go through knowing the funds were unavailable. Just to charge additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion Fraud Victim Assistance XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely,

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email that my card had been added to a new device, I caught the email too late and by the next day XX/XX/XXXX over XXXX was gone from my checking account. 13 transactions in another state, I filed a claim with chase and they said due to it being XXXX XXXX, they had to open an investigation, and then I could not get a credit so I would have to wait two weeks to see any funds back into my account. after two weeks, I received a email from Chase, stating that my claim was denied due to me authorizing these charges. I immediately called Chase to speak with somebody, and they said that the claim/investigation that Chase did was wrong and they didnt get the information they needed from me so they created a new claim and told me that I will now I have to wait two more weeks for my funds to be returned to my account if proven that I did not authorize these transactions. that was upsetting so I asked if I could speak with somebody higher up to see if they can help me since Chase messed up on the first investigation with may be getting some funds into my account since I have not been able to pay my mortgage. I spoke with a claims supervisor, who was very aggressive, and said that I will not be seeing any money in my account until theyre done with their investigation, even though he admitted to fault from chase first investigation. He then hung up the phone and told me that we were going in circles and I will not be getting any money in my account, and that his answer will not change. I called back and spoke to another supervisor who agreed that they will not be returning any money to my account until the new investigation is done and the best she can do is try to expedite a new investigation due to chases negligence. so I have now been two weeks with over {$3000.00} missing from my account and Chase has done nothing to help me except for mess up an investigation and then tell me that the best they can do is try to expedite a new investigation. I have had an account with Chase for almost 10 years and I have never had a situation like this happen so I dont understand why they can not help me with my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I tried to get assistance from a debt resolution company but was unsuccessful and my account defaulted. I was advised that this debt collector blitt and gaines is trying to collect on behalf of XXXX XXXX XXXX  But per the company and my credit report they closed my account and charged it off XXXX XXXX and its fraudulent for them to proceed because they wrote it off and received a tax credit or something so I should dispute the debt being collected and the negative impact a debt collector has on my credit report. I tried doing this the right way and I cant catch a break to resolve this. I have since learned my lesson about credit cards. Especially since i did not spend as much as they are trying to recover. Any help is appreciated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Never recieved a 1099c from charge off account reporting on my credit bureau.

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 2025-01-19 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. ( 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 redres for these violations.

Company response to consumer: Closed with explanation