vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
For several years Equifax has fraudulently reported a bankruptcy on my credit file. I have disputed it with this bureau online and by written requests. I have submitted complaints through CFPB. I have called several times and been treated rudely. My latest call confirms what I already knew Equifax is a morally corrupt company that places profit and consumer suffering over the law. 

1. I have confirmed through XXXX the source that is listed by Equifax that no bankruptcy record exists. I sent those documents directly to Equifax and so did XXXX. That was not good enough to remove the data from my file as regulated by the FCRA. 

On my last phone call the customer service rep told me that the reason it is not being removed is due to an internal policy that only a document from the court is acceptable to remove public records. I have sent them proof from the court where I attempted to obtain this bogus bankruptcy. To have a policy that goes against the dispute process is ludicrous. They state they received documents from XXXX which by the way is part of Equifax. XXXX refuses to validate the erroneous information yet it remains years later on my credit file. 

I am providing documentation from XXXX XXXX, 15 US Code 1681n, a response from the court, an Equifax dispute screen, and my Equifax public record. These documents will show I have done everything that is required of me to dispute and have this false information deleted from my report. Equifax 's refusal violates the fair process to consumers and my civil liabilities. I am including my current driver 's license and social card so that they do not just send a response that I did not provide enough information for them to verify and validate that the complaint was coming from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
For several years Equifax has fraudulently reported a bankruptcy on my credit file. I have disputed it with this bureau online and by written requests. I have submitted complaints through CFPB. I have called several times and been treated rudely. My latest call confirms what I already knew Equifax is a morally corrupt company that places profit and consumer suffering over the law. 

1. I have confirmed through XXXX the source that is listed by Equifax that no bankruptcy record exists. I sent those documents directly to Equifax and so did XXXX. That was not good enough to remove the data from my file as regulated by the FCRA. 

On my last phone call the customer service rep told me that the reason it is not being removed is due to an internal policy that only a document from the court is acceptable to remove public records. I have sent them proof from the court where I attempted to obtain this bogus bankruptcy. To have a policy that goes against the dispute process is ludicrous. They state they received documents from XXXX which by the way is part of Equifax. XXXX refuses to validate the erroneous information yet it remains years later on my credit file. 

I am providing documentation from XXXX XXXX, 15 US Code 1681n, a response from the court, an Equifax dispute screen, and my Equifax public record. These documents will show I have done everything that is required of me to dispute and have this false information deleted from my report. Equifax 's refusal violates the fair process to consumers and my civil liabilities. I am including my current driver 's license and social card so that they do not just send a response that I did not provide enough information for them to verify and validate that the complaint was coming from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX and signed a loan contract with Chase via the representative at XXXX, in XXXX, XXXX XXXX. Prior to signing the contact, there were several phone contacts between myself and XXXX XXXX ( representative at XXXX ). I made it clear that I was opting for a downpayment of {$10000.00} and was seeking a 72 months term. I was told not to apply to my outside credit unions as their financial institution, which was Chase Bank, could match or provide a lower competitive APR. I told him I was checking around and I had a credit score of XXXX. I also did most of my financial billing through Chase and my XXXX XXXX XXXX payroll goes through their system, every XXXX weeks. I was told that was great they could review my account. 

I was informed there was a special finance APR for 4.40 %, but this was only applicable for a short time and only leasing was qualified for that rate. I had made the decision to purchase through a loan. I did not want a lease. I was offered an APR at said time for 6.19 %, another lender had offered 6.16 %, given my history with Chase ( customer for about 35 years ) and the fact that I was told, I had to decide the same day, I accepted the offer. To my dismay, XX/XX/XXXX, exactly 2 weeks later, I was getting ready to set up the payment via the instructions provided by Chase and discovered that I was mislead. On trying to download the APP, I decided to follow their calculator as to methods of financing. As instructed, I entered the brand, car model, credit score, down payment amount, 72 months plan payment and the calculated amount was for an alarming, 4.40 % APR. My heart sank and I felt robbed and betrayed. See attached calculation. 

Since then, I have made several telephone outreaches both to the dealership and Chase loan department. The dealership was insulting and thought this was ridiculous. XXXX XXXX at the dealership told me to contact the bank. I told him I would return the XXXX on a flatbed tow truck, since I had only driven it home and it was not 30 days. My intent was to return the XXXX and cancel the loan. I spoke to a few representatives at the Chase bank, including a supervisor. I asked for a courtesy, reconfiguration of the loan based on the misguidance and the loan calculator. They told me absolutely not. One person suggested that I refinance the loan. I believe that I was misguided and taken advantage of. This is no more than predatory lender, of large lending institutions taking advantage of the average hard working customers. I took the loan to purchase the XXXX as a retirement gift to myself. I did not imagine that a company that I have entrusted my money with for almost 35 years, would create a non-trusting business relationship. Please, I am asking that this matter be investigated. 
Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and request the immediate blocking and deletion of accounts listed on my credit report under the provisions of 15 USC 1681c-2 ( a ), as I am a victim of identity theft and believe my personal information was compromised during the data breach. 

The following accounts were fraudulently opened or affected and should be blocked and deleted from my credit report : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$510.00} Status : At least 120 days or more than four payments past due Credit limit : {$300.00} Past due amount : XXXX XXXX Monthly payment : {$25.00} Highest balance : {$510.00} XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Balance : {$180.00} Status : Charged-off Credit limit : {$2500.00} Past due amount : {$120.00} XXXX XXXX XXXX XXXX Account 1 : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$300.00} Status : Charged-off Credit limit : {$300.00} Past due amount : {$300.00} Account 2 : Account name : XXXX XXXXXXXX XXXX Account number : XXXX Balance : {$1000.00} Status : Charged-off Credit limit : {$1000.00} Past due amount : {$1000.00} Account XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$16000.00} Status : Repossession Original balance : {$22000.00} Past due amount : {$4100.00} Monthly payment : {$410.00} These accounts were not opened by me nor authorized by me, and I am requesting their removal pursuant to my rights under the Fair Credit Reporting Act. 

Attached to this letter, I have included : A copy of my government-issued ID for verification. 

A copy of a utility bill as proof of address. 

A police report or FTC Identity Theft Report detailing the identity theft.

Please confirm in writing that the disputed accounts have been blocked and deleted from my credit file. Additionally, if further information or documentation is required, do not hesitate to contact me immediately. 

Thank you for your attention to this urgent matter. I look forward to your prompt response within the time frame outlined by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have been harassed by XXXX XXXX XXXX Called several times a day at all hours of the day, and harassed. I was also sued and improperly sued to which I disputed in court. As stated in 15 usc 1692c ( c ) Law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Furthermore according to section 609 A1A, you are required by federal law to verify through physical verification, of the original signed contract, Any and all accounts that you post on a credit report. I demand to see a verified proof. If you fail to validate, remove from my account immediately.

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 2025-01-25 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:
Every time I think about my credit score, it feels unfair knowing its lower because of accounts I had nothing to do with.

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 2025-01-25 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: LA

Complaint narrative:
I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. My score been tanking over the years.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Ive had several restrictions placed on my account after requesting holds be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-01-25 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX Account numberXXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

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 ( 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 XXXX XXXX XXXX XXXX XXXX I don't have exact dates because they have blocked me out of my account completely leaving me frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
We had solar panels installed in XX/XX/XXXX. To complete this project we took out two loans, one from Mosaic and one from XXXX XXXX To pay off the loans from Mosaic we applied for federal and state energy credits. This amount to be received through the credits was for {$28000.00}. The issue that emerged is tha the portal for Mosaic stated the end of the promotional period for XX/XX/XXXX, which is what our tax preparer saw, and filed accordingly. In actuality, the promotional period ended XX/XX/XXXX. They also made a mistake and sent the part of the return filed in XXXX to XXXX XXXX instead of Mosaic. This was not discovered by my household until XX/XX/XXXX. When this was discovered we immediately reached out to Mosaic for an extension of the promotional period. They flatly refused to extend the promotional period and instead left us with a large monthly payment due to the interest that has accrued. Despite our pleading, and showing them the incorrect date on their portal, they refused to extend a promotional period to help us, and lied to us and said that they could not make an extension, despite the error on their part. We are asking for help in extending the promotional period so we can pay back the principle, as originally agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I 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 delay posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with finding by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of furnishers of information to consumer reporting agencies. It includes provisions that require furnishers to : Not furnish information they know or consciously avoid knowing is inaccurate. 
Not furnish information if they have been notified by the consumer that specific information is inaccurate, unless they specify an address for such notices. 
Investigate disputes regarding the completeness or accuracy of information within a specified time frame. 
Report the results of investigations to consumer reporting agencies. 
Correct inaccurate information and report those corrections to all consumer reporting agencies that compile and maintain files on consumers on a nationwide basis. 
The section also limits liability for certain failures to comply with its provisions and specifies that enforcement is carried out exclusively by federal agencies and state officials identified in the FCRA.

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