vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding inaccuracies on my credit report that have not been resolved by the credit bureaus.

Upon reviewing my credit report, I discovered that it contains negative items that are either wrong or inaccurately reported. Despite my efforts to address these discrepancies directly with the credit bureaus, they remain unresolved, significantly damaging my credit score. This situation has hindered my ability to pursue essential services and make necessary purchases, impacting my financial well-being.

I kindly ask for your intervention to review these negative items on my credit report. It is crucial for my credit history to accurately reflect my financial activities, allowing me the opportunity to move forward with my plans.

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

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Every week I pay {$520.00} for my rental vehicle that I use to work XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes Im unable to pay the full amount and my chase account goes into overdraft. Chase would charge me an overdraft fee of XXXX XXXX When I get paid from my XXXX XXXX XXXX XXXX XXXX XXXX my chase account would become positive. Usually I just call chase and ask for them to return the fee to me and they oblige. The most prominent return being XXXX $ which was XXXX XXXX This week while I was negative I had ask my girlfriend to front me XXXX $ as I needed liquidity to get my lunch for work by having my balance slightly positive I expected them to return it to me. But this time they didnt. Thats when I realized that the overdraft fee is a scam. Americans live paycheck to paycheck and if I allowed this to continue chase would be able to profit from my negative cashflow every week in perpetuity. This should be illegal. They told me I have until XXXX from the day of my overdraft. Meanwhile I only held a negative balance for less than XXXX business days. Month to month my balance has remained positive. Biden also said he was going to limit/regulate overdraft fees. But that never came to fruition. My hope is that the cfpb will fend for the little guy here which is me a worker in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: MD

Complaint narrative:
I am writing to express my concerns about Zelles handling of disputes. Ive used Zelle numerous times and reported issues, my financial institution and Zelle failed to investigate my claims. I was informed that Zelle is not responsible for recovering lost funds and tracking lost funds is infeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I pulled my three bureau credit report XXXX XX/XX/year> and noticed your company is unlawfully reporting inaccuracies to my credit report. These inaccuracies have already been brought to your attention and the attention of the credit bureaus one month ago with no corrective action taken. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights and should not be reporting. 
As stated in the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, these accounts remain despite their inaccuracies, showing that those procedures were not followed.

Furthermore, under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case.

Additionally, 15 USC 1681s-2 clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of these accounts, even after they were disputed, is a direct violation of this provision.

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate accounts remain. This failure to comply with federal law needs to be addressed immediately. 

I am requesting an immediate deletion of these accounts due to violations of my rights under the FCRA. Please investigate and take action as required under the law.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Brock & Scott, PLLC
State: MD

Complaint narrative:
I received a letter from XXXX form from XXXX XXXX. XXXX, XXXX XXXX XXXX nor XXXX and XXXX has ever sent me the deliverables I requested from my XX/XX/year> Debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Chime Financial Inc
State: GA

Complaint narrative:
I purchased a washer from XXXX XXXX last year XXXX  and we had some complications so I refused the delivery and never received my item. XXXX stated that they will refund my purchase and they did not so I went to my bank which is Chime and filed a dispute to to get my money from my bank. I receive notification that my dispute would not be covered so it was denied and when I asked for the reason they did not give me a reason. They said that they will send information and I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Information on My Credit Report Due to Equifax XXXX XXXX Dear Equifax Dispute Resolution Team, I am writing to dispute an item ( XXXX ) on my credit report that I believe may have been impacted by the 2017 Equifax data breach. My personal information, including [ list details, such as Social Security XXXX, date of birth, address, etc. ], was compromised during this breach, and I suspect that unauthorized activity has occurred as a result. 
I am requesting that you thoroughly investigate the affected entry/entries on my credit report and ensure that any incorrect or fraudulent information resulting from the breach is removed. I am attaching a copy of my credit report, along with relevant supporting documents, to assist with your investigation. 
The specific entry ( ies ) I am disputing are as follows : XXXX XXXX XXXX XXXX and personal information like addresses I request that you provide a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), with details of the findings from your investigation and any actions taken to correct the record. 
If additional information or documentation is needed to facilitate your review, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/XXXX, Navy Federal Credit Union charged off my auto loan and reported it to the credit bureaus. In XX/XX/XXXX, I submitted a Consumer Loan Payoff Letter, which was Accepted for Value ( A4V ) and returned with my endorsement, fingerprint, and stamp. I also issued a Promissory Note as part of my payment, which was received and confirmed by Navy Federal via certified mail receipt. Despite this, my account was not updated to reflect the payment. 

In XX/XX/XXXX, a third-party company, XXXX XXXX XXXX wrongfully repossessed my vehicle, even though my loan had already been settled. XXXX XXXX obtained my personal information through Sums Skip and XXXX XXXX, a company that I did not authorize to have access to my private data. On XX/XX/XXXX, XXXX XXXX attempted to confirm my personal details over the phone. I refused and was directed to contact Navy Federal. 

On XX/XX/XXXX, when I attempted to retrieve my vehicle, I was informed that I would need to provide a key for verification with Navy Federal, or else a new key would be cut. The vehicles VIN was covered, and the vehicle was locked when it was taken, raising concerns about the legality of the repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!

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 2025-02-26 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-26 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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