vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Upon reviewing my account, I noticed that a charge for {$810.00} from XXXX was posted on XX/XX/year>, even though I was out of the country during this time and had no involvement in this transaction. After noticing the charge, I immediately contacted XXXX, and I was informed that an investigation into the fraud claim would be initiated. In the meantime, the amount was refunded to my account. 

However, after the conclusion of the investigation, I was informed that the store, XXXX, had provided proof of an authorized transaction, leading to the withdrawal of the refunded amount from my account and the closing of the case. Despite this, I believe the conclusion was reached in error and I reopened the case, providing additional information to demonstrate that I did not authorize or participate in this transaction. 

Following my appeal, I made several attempts to resolve the matter by contacting XXXX directly ( 3 times ), but I was unable to receive any information regarding the transaction or the details of the order. Additionally, I requested the investigation report from XXXX, and upon reviewing the document, I noticed several glaring discrepancies in the details provided : Wrong address ( Incorrect apartment number ) Wrong phone number Wrong name Wrong email address Wrong IP address I explained to XXXX that none of this information matches my personal details, and none of my personal information has been updated or changed during my many years as a Chase customer. Furthermore, since I was out of the country at the time of the transaction, I could not have signed for or received any goods or services related to this charge. To support my case, I provided documentation such as flight tickets and was prepared to show my passport stamps to verify that I was not in the U.S. at the time. 

Despite all of this evidence, my case was denied twice, and I was advised to seek legal counsel. I am requesting that you review the information once again, taking into account the incorrect details on the investigation report and the substantial evidence I have provided to demonstrate that I did not make the purchase in question. 

I would appreciate it if you could reconsider my case and take the necessary steps to investigate this matter thoroughly. Please let me know if you require any further information or documentation from me. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
An item that was the result of fraud, which I never gained anything from, is still showing up on my report. Despite this, you continue to include this inaccurate and fraudulent information on my credit. It's deeply upsetting and feels like a direct attack on my character. I'm stressed knowing my consumer rights are being ignored. I've already reported this to the Federal Trade Commission, but nothing has been done to remove it.

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 2025-01-22 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: TX

Complaint narrative:
Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were 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 balances 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Have my payyon auto payment but still getting late payment 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Verification of Charge-Off and 1099-C for account # XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the above-referenced number. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly via email at XXXX. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted experian about a dispute I needed to be resolved. I was in undergrad at the time, and the apartments off campus renewed my lease for the XXXX school year when I showed proof that I would no longer be attending that college anymore. In order to stay in those apartments, you have to be a student. But because in XX/XX/year> I would no longer be a student, I had the right to not renew my lease, and not be penalized for it. The apartment complex cleared everything on their end, but experian refused to remove this situation from my credit report even though they called and confirmed with the apartment complex that I no longer had a balance there.

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 2025-01-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Data Was Exposed in Data Breach. I am Challenging all Accounts on XXXX Due to my Data being Exposed in a data breach According to 15 usc 1681i ( a ) 1 The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph. The Company Failed to do so. So under section 605 B, i am formally Requesting this to be removed in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NC

Complaint narrative:
cash app closed my account after filinh my taxes and using cash app as my resource to receive my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have repeatedly requested wet signatures of agreements or co tracts I have made with each Creditor reporting collections on my reports from XXXX, XXXX, and XXXX. They always claim investigated and no change but never provide the requested contracts or explain their findings. I have requested this information for over 8 months. They will remove it and score would go up then few weeks later added back lowering my score. This was done without notification via email, phone or mail. I have sent letters requesting inaccurate addresses, phone numbers, works history and wrong names to be removed and yet no response and still no change. This all goes against legal reporting acts. I want this resolved and my credit cleared. I want every negative account to be removed. I also want the XXXX Account to reflect pains in full and no longer negative potential on my account. I want every address, name and works history places removed. I have screenshot proof of each dispute and their response. I have never received an explanations or investigation letter. I still have not recieved the wet signature of contract with each collection agencys claims of owed money. I demand all collections removed form my credit immediately, all addresses and names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account with Truist bank on XX/XX/year> with cash. I go into the branch a few days later and they tell me that I can not take any money out because my account is closed. I called the number to support and no one could tell me why my account is closed. I received a email about my chime account I tried to link to this bank account and it stated that the transaction could not be processed due to my card being off so they will remove the additional account from XXXX  in the app. I figured that was the issue and called today XX/XX/year> and they tell me again that its closed but gave me the number to fraud. I called that department and the lady said she can't tell me why.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Verification of Charge-Off and XXXX for account # XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a XXXX for the account associated with the above-referenced number. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form XXXX that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly via email at XXXX. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process. 

Best regards, 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 2025-01-22 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: TX

Complaint narrative:
I am submitting this complaint due to serious concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights critical deficiencies in the platforms protections. Despite using Zelle numerous times and reporting discrepancies in transactions, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPBs findings further validate my experience, showing that Zelle has failed to adequately protect consumers. Moreover, Zelle has allowed repeat offenders to exploit the system, leaving users like me vulnerable to scams. This lack of accountability has caused me financial loss and eroded my trust in the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances 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 2025-01-22 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: VA

Complaint narrative:
15 U.S.C. 1611 is a US Code section that establishes criminal penalties for intentionally and knowingly violating credit reporting laws.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..

American Convention on Human Rights : Article 21 of the American Convention on Human Rights states that no one should be deprived of their property or social interest without just cause. It also prohibits usury and other forms of exploitation.

Company response to consumer: Closed with explanation