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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The account starting with XXXX with the balance of {$4600.00} payment information is incorrect. The loans have been in deferment since XXXX  when the pandemic started. I contacted equifax to let them know and dispute the info. The other accounts were corrected but this account was not.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TN

Complaint narrative:
XXXX XXXX with XXXX XXXX  pulled a credit inquiry without our consent : we were required by the home builder to get approved with this mortgage company at the start of our home builder contract. We did not plan to use this mortgage company and instead were going to use XXXX XXXX for a VA loan. This company pulled our credit many months later without our consent assuming we were going to do the loan with them. It will negatively impact our score and rate when we do the hard inquiry with the company we intend to use.

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 — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Past Due balance {$3000.00} This collection was placed on both my credit and my daughters for an apartment my daughter was renting at XXXX XXXX XXXX in XXXX FL in which her and my XXXX  had to relocate from after being exposed to mildew and other unhealthy bacteria found in the department. The incident was reported to the Department of Health and the management office who agreed that my daughter could move out of the apartment without any penalties. My daughter and I have tried on several occasions to dispute this charge from our credit reports and recently reached out to the debt agency to see what other options we have to satisfy this debt since the dispute we filed did not rectify the problem. When I spoke with the representative, she advised that the dispute was received but wouldn't stop the calls until the debt has been collected and/or a settlement payment is received. I inquired about a " paid to deletion '', and she advised that could be done once account is paid in full. I told her I would talk to my daughter and follow-up with her. I received a follow-up call on XX/XX/XXXX from the same representative asking if my daughter and I had come up with a resolution to handle the debt, I advised that my daughter and I decided to wait until we both revieved our taxes and would pay what is owed, the rep asked if there was anything payment I could handle today and I told her no, the rep became very hostile and proceeded to say " YOU ARE LYING AND CHOSING NOT TO COMPLY SO I AM GOING TO MAKE SURE THIS OFFICE DOESNT COOPERATE WITH YOU WHEN ITS TIME TO PAY YOUR DEBT AND YOU WILL NOT BE ABLE TO DO A SETTLEMENT ONLY PAID IN FULL, HAVE A NICE DAY. '' and hung up the phone before I could reply.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agency Equifax is required to ensure the maximum possible accuracy of the information on their reports. Additionally, the Consumer Financial Protection Bureau ( CFPB ) emphasized its obligation to promptly and thoroughly investigate disputes. 

Equifax has been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate reporting standards. I urge you to take this dispute seriously. I demand that Equifax conduct a complete and thorough investigation of the inaccuracies being reported. Please provide any supporting evidence. If they correct or delete any unverifiable information immediately and provide me with a copy of the updated credit report reflecting these changes.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

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 2025-01-21 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: CA

Complaint narrative:
My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is highly concerning and has been causing me significant stress and XXXX. I urge you to carefully review this matter, as this complaint is not made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This debt is from a company I've never did business with called NCA. I asked them to validate the debt and not just prove that it my debt but also prove that they own it. They have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Parkway Financial Group, LLC
State: SC

Complaint narrative:
On XX/XX/year>, Demand Letter sent to Inspire Home Loans , Inc delivered on Monday, XX/XX/year> in reference to a gutter-less, sloping house left in disrepair. Due to the failure to remedy such defects as is required, the foundation is now at risk and poor air quality in the home hover due to water damage creating hazardous, defective condition ( s ) on the property which I live in the home. ( No Response ) On XX/XX/year>, the U.S. Department of Housing and Urban Development XXXX XXXX XXXX sent to Inspire Home Loans, stating I repeatedly attempted to resolve the deficiencies with my home since closing and has not received the cooperation expected. HUD have attempted to contact the company and the warranty company involved with no further 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/year> I received a text from Wells Fargo Bank that said they were reviewing a wire transfer from our account ( last XXXX of account number ). I called the bank immediately, and was told they didn't show any pending transfer. I stated that we didn't authorize any wire transfer. The agent suggested it was phishing, but I was concerned that the last XXXX digits of the account number was in the text. Again, said they didn't see anything. Suggested I forward it to an email for that purpose ( phishing ). 
On Monday XX/XX/year>, a wire was sent in the amount of {$25000.00}. I called again, but was told that they could have helped if it was done online, but she said it happened at a branch. She made an appointment for that afternoon with a banker at a branch. When we arrived, we produced the print out of the wire information. She then noticed that the fee amount was for an online wire, meaning that the agent I had spoken with that morning had lied. We filed a claim with Wells Fargo, and was told by the banker at the branch that we should get our funds back in 7-10 days. 
We have made several phone calls, and escalated the claim, only to be told they are waiting on the receiving bank to return the funds. We believe that Wells Fargo is responsible, since they made not one, but two errors. Had they acted on the XXXX, it could have been stopped. Absolutely, Wells Fargo dropped the ball, and they should return our funds immediately, then deal with the receiving bank. 
We have filed this action with XXXX XXXX, but they need something in writing from Wells Fargo, which no one there is willing to do. We have also filed a police report, and have been told they are requesting a subpoena from the bank. Thank you.

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: GA

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, Iwas charge 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 2025-01-21 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: FL

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

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 — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was charged a series of over drafts, extra fees and unauthorized charges and this was then sent off to collections because my account was closed out by chase bank

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

Complaint narrative:
I prepaid for hotel rooms on XX/XX/2024 for a hotel XXXX, XXXX using my Barclays ( XXXX XXXX ) credit card. The booking was for three ( 3 ) rooms with two queen beds in each room that sleeps 4 persons per room. Upon arrival at the hotel once we landed in XXXX on XX/XX/2024 I was advised by the front desk manager that there's no guarantee for my rooms and those rooms were no longer available and basically was not willing to assist in resolving the situation. The manager instructed me to cancel and get a refund I needed to send an email, which I did the next day. Credit card company dispute was filed the same night XX/XX/2024 and they closed my dispute in XXXX stating per Merchant I was a no show even though I sent them a picture of me in the hotel lobby with said manager in the background, documents of having to get another hotel for the SAME dates and correspondence between me and hotel about the cancellation and refund. I filed a second dispute after the original dispute was closed and submitted all my evidence showing that I was not a no show as claimed by merchant. Credit card company once again closed the dispute now claiming past time to file which makes no sense when I was instructed by their employee to then submit my proof to dispute what the merchant was saying. I have since contacted this credit card company several times requesting assistance since I am now being held liable for a service that was never rendered even though it was prepaid!

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 


Account name XXXX XXXX XXXX Account number 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 2025-01-21 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against cash app { Block Inc } due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ) Specifically Cash App failed to take timely action 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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is highly concerning and has been causing me significant stress and XXXX. I urge you to carefully review this matter, as this complaint is not made in error.

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 2025-01-21 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: RI

Complaint narrative:
Lexis Nexis once again, for 3 months now is stalling. They just sent me yet another letter saying they can't verify me. I was called by them ( its recorded ) twice to PROVE MY IDENTITY. THEY APPROVED IT TWICE..but I still get letters saying they can verify me. How can toy let this go on for 3 months? Its obvious what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a phishing scam that I thought was an email from Bank of America. I started to report it with the FTC and was redirected here. 

Before calling BofA customer service about the scam, I called the number in the email, which had an automated message saying it was disconnected. I clicked the link in the email to check my application status and input my information ( last name, last four of SSN, zip code, and birthday ), but an error message popped up saying my personal information didn't match the info on the credit card application. 

I called Bank of America about this email, as I had never applied for a card, and they confirmed they never saw a credit card application from me. They also confirmed that the email address used to send the email ( XXXX ) was not a Bank of America email address. 

Below is the text of the email : " We've received your credit card application for Bank of America Unlimited Cash Rewards credit card. 
We're currently reviewing your information. You can check your application status online at any time. 
If you don't recognize this application, call 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