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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. 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 user vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is not a duplicate complaint. 

I called Chase on XX/XX/year>, on or around XXXX XXXX  PST. I spoke to a female XXXX in the XXXX Chase Credit Bureau XXXX. She engaged in call avoidance. She said I was rude when I said on the double, meaning please hurry. She indicated she would end the call. I was providing my SSN when she then willfully and deliberately terminated the call. I never used any profanity. Next, I called Chase on or around XXXX XXXX  PST and spoke to an XXXX XXXX who said she was in XXXX. She then willfully and deliberately disconnected the call on me. As usual, I never used any profanity. This is egregious. I cant believe Chase has a large number of agents that routinely engage in call avoidance. The good news is I have all my phone calls recorded as evidence. I seek to hold Chase accountable.

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: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Transunion Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Based on the issues outlined below, it appears that XXXX has failed to meet its legal obligations, causing harm to consumers like myself. 
1. Failure to Properly Investigate Consumer Disputes XXXX has demonstrated a lack of thoroughness in investigating disputes submitted by consumers. This failure directly violates the FCRAs requirement to conduct reasonable investigations into disputed information. 
2. Failure to Provide Adequate Notice of Dispute Outcomes Consumers are entitled to clear and timely notification regarding the results of disputes, including explanations of actions taken. XXXX lack of adequate communication undermines consumers ability to protect their financial standing. 
3. Failure to Forward Relevant Information to Furnishers It has come to my attention that XXXX failed to forward all relevant details to furnishers as part of the dispute resolution process. This omission limits furnishers ability to investigate and correct errors. 
4. Allowing Inaccurate Information to Remain on Credit Reports By allowing inaccurate information to persist, XXXX has compromised the integrity of its reports, creating unnecessary challenges for consumers. 
5. Illegal Reinsertion of Inaccurate Information Reinserting previously deleted, inaccurate information into credit reports without proper notification to consumers is a direct violation of the FCRA. This practice causes ongoing harm to individuals relying on accurate credit information.

These actions not only violate federal laws but also have caused significant distress and financial harm. I request that XXXX take immediate corrective action by : Conducting a thorough investigation into these practices. 
Correcting all inaccuracies on my credit report. 
Providing documentation regarding the results of your investigation. 
Ensuring compliance with FCRA and CFPA requirements moving forward. 

If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

I look forward to your prompt response. Please contact me at XXXX for further communication. 

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 2025-01-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax/TXXXX  Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Based on the issues outlined below, it appears that XXXX has failed to meet its legal obligations, causing harm to consumers like myself. 
1. Failure to Properly Investigate Consumer Disputes XXXX has demonstrated a lack of thoroughness in investigating disputes submitted by consumers. This failure directly violates the FCRAs requirement to conduct reasonable investigations into disputed information. 
2. Failure to Provide Adequate Notice of Dispute Outcomes Consumers are entitled to clear and timely notification regarding the results of disputes, including explanations of actions taken. XXXX lack of adequate communication undermines consumers ability to protect their financial standing. 
3. Failure to Forward Relevant Information to Furnishers It has come to my attention that XXXX failed to forward all relevant details to furnishers as part of the dispute resolution process. This omission limits furnishers ability to investigate and correct errors. 
4. Allowing Inaccurate Information to Remain on Credit Reports By allowing inaccurate information to persist, XXXX has compromised the integrity of its reports, creating unnecessary challenges for consumers. 
5. Illegal Reinsertion of Inaccurate Information Reinserting previously deleted, inaccurate information into credit reports without proper notification to consumers is a direct violation of the FCRA. This practice causes ongoing harm to individuals relying on accurate credit information. 

These actions not only violate federal laws but also have caused significant distress and financial harm. I request that XXXX take immediate corrective action by : Conducting a thorough investigation into these practices. 
Correcting all inaccuracies on my credit report. 
Providing documentation regarding the results of your investigation. 
Ensuring compliance with FCRA and CFPA requirements moving forward. 

If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

I look forward to your prompt response. Please contact me at XXXX for further communication. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error XXXXnder 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/201XXXX 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 2025-01-22 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: FL

Complaint narrative:
As a consumer ( defined under XXXX5 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/year> 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
Complaint Regarding Fraudulent Debt Still Reported as Charge-Off on Credit Report To Whom It May Concern, I am writing to formally file a complaint regarding a fraudulent debt reported by Continental Finance Company on my credit report. The account details are as follows : Creditor : Continental Finance Company Account Type : Credit Card Account Opened : XX/XX/year> Account Closed : XX/XX/year> Credit Limit : {$750.00} Highest Balance : {$910.00} Current Status : Collection/Charge-Off ( Derogatory ) This account was fraudulent and was not opened by me. After discovering this issue, I reported the fraudulent activity to the XXXX major credit reporting bureaus ( XXXX, XXXX, and XXXX ). Upon investigation, all three credit bureaus confirmed that the account was fraudulent and ruled in my favor. Despite this, the debt remains listed on my credit report as a charge-off, negatively impacting my credit profile. 

Furthermore, Continental Finance Company attempted to collect this fraudulent debt, causing unnecessary stress and hardship. Their failure to acknowledge the findings of the credit bureaus and remove this invalid debt from my report constitutes unfair and improper practices. 

My request : 1. Immediate removal of this account from my credit report across all three bureaus.

2. Confirmation from Continental Finance Company and the credit bureaus that the charge-off status has been deleted.

3. Assurance that no further collection attempts will be made regarding this fraudulent account.

Attached to this complaint are copies of my prior disputes with the credit bureaus and any relevant correspondence to substantiate my claim. 

The originally took this debt off my credit and it remained off for a few months and then just recently they added it back to my credit as a charge off without any debt owed. Ive already complained about this company multiple times and they keep on trying illegal tactics and violating my rights This situation has caused significant harm to my credit and personal well-being. I ask for the CFPBs assistance in ensuring this matter is resolved promptly and fairly. 

Thank you for your attention to this issue.

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: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I expect expedited removal of the Fraud Alert and dispute comments on my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
There was a Data Breach with XXXX and I have disputed these items several times to no avail. These accounts have appeared across all three bureaus at one point. I have changed my phone number twice now due to a deluge of telemarketing and robocalls since the breach. I have even filed a lawsuit against a group of auto finance companies that ran my credit illegally for a car loan and placed XXXX hard inquiries on my credit reports ( XXXX v. XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. XXXX ). I have done everything I can up to this point and the repeated disputes to the credit bureaus are not effective as of yet to have these items 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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX - XXXX ) as evidence supporting my identity theft claim. As peXXXX XXXX XXXX XXXX XXXXpon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX {$2700.00} XXXX XXXXXXXX # XXXX {$2400.00} XXXX XXXX XXXX NA # XXXX {$600.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX XXXX XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief