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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX and XXXX repotting incorrect information

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX and Equifax repotting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Does that appears as being paid in full on experience credit bureau and is also being reported to credit, that this debt has been paid in full as of XX/XX/year>2022 I believe however it has been paid in full it comes up as XXXX XXXX XXXX and the debt is paid in full. Please remove this off of my credit report.

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 — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a veteran and I bank with Navy Federal. I have bill payer for the account. Navy Federal did not send my mortgage payment to XXXX  XXXX XXXX for my mortgage payment and the money was in the account. I have XXXX accounts that branches off a main XXXX  account. XXXX  XXXX XXXX sold my account to XXXX XXXX  and XXXX  XXXX  reported that I was behind on my XXXX payment and I sent them a copy of my bank showing the payment was taken out of my account. Navy Federal is the reason for the confusion. When I spoke with the representative at Navy Federal, they said that I had the money in my account during the time that's in question.

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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Transunion hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.

Please provide details to investigation or delete accounts.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I bought new XXXX XXXX XXXX on XX/XX/year>2024. XXXX opened XXXX loans on my name for same vehicle for full finance amount with XXXX different lenders- one with JP Morgan Chase and another with XXXX  XXXX XXXX. Loan with XXXX XXXX XXXX is opened with my consent and I am paying it regularly. 

JP Morgan Chase is calling me to pay the XXXX. But, I am paying XXXX for XXXX XXXX XXXX  loan. 

It seems some malpractice by XXXX to get double the money from consumers on their name. Whenever I am calling XXXX, they are saying that our finance team is working on it.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
There is this one issue with Zelle where they dont give me the options of checking up on who the person is that i am sending money too. So like they dont ask for a confirmation and then as a result i can like send It to a wrong person and then i cant even cancel the transaction anymore when i find out its not the right person. I believe they should have a lot better abilities to check who is the person Im sending my money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
The bank sent me a mailer saying that I would get a {$400.00} bonus if I opened an account with them and made direct deposits more than {$1000.00} within 95 days. " PLUS ... earn an additional {$200.00} bonus when you open an eligible Seacoast Savings account '' I confirmed at opening that I would get both and they said yes. I complied with the terms but they deposited only {$200.00} and told me that I was ineligible for the {$400.00} since I received the {$200.00}. This does not makes sense to me as it contradicts their written ( mailer ) and verbal representation at the time of account opening. Also if they had to limit it to one item why give me the {$200.00} instead of the {$400.00}?

Company response to consumer: Closed with monetary relief
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: MI

Complaint narrative:
I over drafted I paid but my account still isnt current or open

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

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 legged 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 this practice are unfair and request an investigations into my account transaction.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I want to file a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Cash app failed to provide timely measures to protect my account leaving it vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer. This was a great financial loss and I seek appropriate redress for this violation.

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: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
I went to XXXX XXXX XXXX and graduated with a XXXX XXXX XXXX XXXX XXXX in management. I was able to walk but refused because my last year, my XXXX  also was shutting down due to mishandling of funds dealing with financial aid. Also, the summer leading into my XXXX XXXX, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I guess apparently, no funds went to my XXXX, just someone elses pockets. On top of that, since the XXXX  closed the degree essentially doesnt even exist to companies, which seems like when I apply for jobs, makes it seems less credible if the XXXX  doesnt exist. As well as them expecting me to pay finances to an entity that doesnt even exist anymore. They even attempted to sue me as well. I also filed the proper documentation when XXXX  close and I sent in multiple times and even called, just for them to tell me they never got it. Before I sent it in, I also made copies, just to show that something fraudulent was occurring but didnt really know who to contact on information dealing with that. My main funds was going through a company called XXXX. And now this debt they want me to pay, is on my credit report, and Im also not sure how some company got ahold of my information either. All these entities are stealing information from the people and are making profits on our information without most knowing. I would definitely like to get the debt off completely, or get a number where I can take some legal action. I just need help, thank you for your time.

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX and Equifax 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 incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian, XXXX and XXXX for lying to me and telling me that they have investigated my disputes, that are errors on my credit reports, only to find out that they infacted have not dont any investigation. Experian, XXXX and XXXX always responds within 24 hours saying that, the accounts are accurate without providing any evidences. It is so frustrating and illegal that these companies are allowed to violates the Fair Credit Reporting Act FCRA. 15 U>S>C> SS 1681 which mandates a resonable investiagtion of disputes. Futhermore Experian, XXXX and XXXX actions may also violates the consumer Financial Protection act CFPA 12 U.S.C. SS.5536 A 1 A-B as highlighted in the CFPB 's recent adminsitrative proceeding File no. 2025 CFPB-0002 against them for similar violations. I hope CFPB sues the pants off of Experian, XXXX and XXXX and hold them accountable for violating federal law and provide consumers with the necessary proof of investiagtion.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: PA

Complaint narrative:
My account has been closed for 2 weeks with no reasoning of it being closed please help

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a account with XXXX XXXX  XXXX and now they have been reporting this on my Experian double reporting and I have asked for an investigation multiple times in which it all come back correct I only have one account with them and would like for the balance to be updated properly and the account that they are double reporting to be removed from all reports and late payments associated with that removed as well. I only have one account with them and they are reporting 2 times to the Experian and this has been investigated multiple times

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: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filling a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely ans 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 2025-01-25 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: IL

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Incorrect information on your report — Old information reappears or never goes away
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
It has recently come to my attention that an account the CKS PRIME INVESTMENTS has been collected illegally due to not having a licence to collect in the state of texas. This account has been disputed multiple times and nothing has been done to delete this account from my current credit report. My current credit report is being negatively impacted by this and i urge you to reinvestigate this account and delete to become current. 

YOU MUST PROVIDE ME WITH THE PURCHASE AGREEMENT AND PROVE THE TRAIL OF PURCHASE. If this can not be provided to me this account must be DELETED from 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Bought a truck from a dealer. Dealer let me know it went through their service department. TRANSMISSION- issue MOTOR- cylinder # 6 Is coded All is misfiring. 
Metal shaving on top of cylinders under spark plugs. 
TRUCK didnt STOP going down. Called company 3 days after driving truck. Bought warranty. Difficult to get warrenty to come engine and transmission due to time of new warranty. Company refused to take back truck unless I buy another truck. I am being held hostage to purchase something that I have no trust in. My credit score is down XXXX points and was denied a loan. I want to give this truck back and the loan forgiven.

Company response to consumer: Closed with explanation