vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" Hi, I'm contacting you about the credit file you maintain under my name. I recently contacted your company through the Consumer Financial Protection Bureau on XX/XX/XXXX with a 605B deletion request to block information appearing on this credit report as the result of identity theft and fraud. Along with the request, I submitted an official sworn crime report filed with a law enforcement agency, a copy of the credit report generated by your company showing the items appearing as the result of identity theft, and all of the other information your company would have needed in order to process the 605B deletion request and block the information off of the credit file. However, as of today, you have not processed this block request within the 4-day statutory timeframe required by section 605B from the Fair Credit Reporting Act. At this time, I am requesting that you, as a supervisor, manually process this 605B deletion request on my behalf. Furthermore, I request an internal executive escalation complaint against this department, against the department 's management, and against the previous supervisors who handled my 605B block based on their refusal to process the block even after having been provided all of the items required by the FCRA which the supervisor would have needed in order to process this block on my behalf. This is in relationship to the account of " XXXX XXXX XXXX '' for {$350.00}, on XX/XX/XXXX I am concerned that your company is erroneously processing my block request as a regular dispute when it is actually a request to block information on my credit report resulting from an ongoing identity theft incident which is required by law to be blocked from my credit file within 4 days. When I contacted the data furnisher who reported these items to this credit file, they stated that they do not maintain records of the sworn crime report that was sent to your company along with my initial 605B deletion request, so I am concerned that your company performed an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report. Can you please process this 605B deletion request manually and file an executive escalation complaint summarizing these issues against the previous supervisors and internal department who initially processed my block request? Can you please also provide me with an executive escalation complaint reference number that I can use in future calls to this department?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX an unauthorized cash transfer for {$9200.00} was withdrawn from my US Bank checking account by XXXX. The funds were sent to someone that I do not know and have never heard of and have never done business with. On XX/XX/XXXX, upon my discovery of this unauthorized transaction, I immediately contacted US Bank and XXXX to dispute the transaction. Claims were opened by both entities. The claims were denied and closed as XXXX claimed that I had initiated the cash transfer. On XX/XX/XXXX, I filed a 2nd claim with each entity. On XX/XX/XXXX, I was told that US Bank denied my 2nd claim. I have not yet heard from XXXX as to the status of my 2nd claim with them. 

XXXX has not made any effort to return my money. In a message to me on XX/XX/XXXX, a customer service representative stated that " we found this transaction is consistent with your XXXX history. Hence, the case was denied. '' The facts are that I have never made a cash transfer using XXXX nor have I ever used XXXX for an online purchase exceeding a XXXX XXXXXXXX dollars. Their algorithms and/or human monitoring should have told them so. The XXXX representative also wrote " what is good about this payment is that a card has been used as a funding source. '' Again, this is not true as my checking account was the source of this unauthorized transaction. This clearly demonstrates that XXXX is not really paying attention to my claim. 

Because XXXX claims that I authorized this fraudulent transaction, US Bank has refused to return my {$9200.00}. 

US Bank should have notified me before releasing the funds to XXXX. I usually receive text notices about transactions made to my US Bank accounts. And, XXXX should have confirmed this transaction with me before sending the funds to the fraudulent person requesting them. 

A detailed timeline outlining the diligent efforts I have made to have my money returned to me is attached below. Also attached is a copy of the message from XXXX, the XXXX Customer Solutions Support Specialist, with inaccurate information and a print out showing to whom the funds were erroneously transferred.

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 2025-01-21 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: AL

Complaint narrative:
I written to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transaction was 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 balance 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 2025-01-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Complaint of Unauthorized Access to Credit Report and Identity Theft Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding unauthorized access to my credit report, which constitutes a clear case of identity theft. 

Recently, I discovered that Experian accessed my credit report without my written consent for employment purposes. This unauthorized action is not only a violation of my rights but also a severe breach of trust, as I never granted permission for my information to be accessed or misused in this manner. 

Furthermore, I have noticed that my XXXXXXXX XXXX XXXX account, which are in good standing and shows no late payments. I discovered inaccurate information, showing a debt of {$17.00}, balance which is inaccurate. I've supplied Experian with supporting documents showing my account has been paid down to {$0.00} and the available balance shows {$200.00}. This inaccuracy has a negative impact on my credit history and it's alarming and unjustifiable. 

I urge the CFPB and FTC to investigate this matter thoroughly. I demand that Experian update this accurate information ASAP to complete my request. 

Please find attached the necessary documentation supporting my claims. I appreciate your prompt attention to this serious matter, and I look forward to your response. 

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 explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim for fraud on my Bank of America checking account on XX/XX/year> for XXXX. 

I received notice that they weren't approving part of my claim for {$520.00} and would be removing my temporary credit. Because they believe I authorized or made the transactions. 

I called to dispute their decision and the associate told me to write a letter and fax it to claims dept to reopen the investigation which was again denied. 

These charges were not made by me and I can't even talk to anyone who investigates these transactions.

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 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$240.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$960.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a {$6000.00} loan from my XXXX because Ive been laid off. I deposited the check and started to pay bills from it. All of a sudden a hold was placed on the funds and caused my account to be negative {$2800.00} ( the amount I paid in bills ). I deposited the check on XX/XX/scrub>XXXX  I was told that the funds will be released on XX/XX/year>. This check is from a reputable trust bank and there is no reason for this. My XXXX is getting turned off today because of this. Not to mention i have no gas or food to in the kitchen. I was able to pay rent before they placed the hold.

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 2025-01-21 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: ProCollect, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute information on my credit report that pertains to an account with XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting an investigation and removal of this account if it can not be verified or is inaccurate. 

Specifically, I believe this information violates the provisions of the FCRA for the following reasons : Unverifiable Information : According to 1681i ( a ), the credit bureau is required to verify the accuracy of disputed information. I request that you obtain verification of this account from XXXX XXXX and provide me with documentation supporting its validity. 

Accuracy and Completeness : Under 1681e ( b ), the credit bureau must maintain maximum accuracy in the information reported. If this account can not be verified as accurate and complete, it must be promptly removed from my report. 

Timely Resolution : As per 1681i ( a ) ( 1 ), the investigation of my dispute must be completed within 30 days of receipt of this letter, unless additional time is justified.

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 2025-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RK Chevrolet Subaru
State: VA

Complaint narrative:
I XXXX XXXX enter into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX a consumer credit transaction which a finance charge was involved. 15 usc 1605 defines a finance charge is the sum of all charges in a consumer credit transaction. the finance charge does not include cash but XXXX XXXX XXXX XXXX took trade in for cash, the finance charge suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

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 2025-01-21 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: IL

Complaint narrative:
i recently just look at a copy at my credit report and i notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting me to obtain/ get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Iam writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform my financial institution and XXXX failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-21 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 filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation