vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank issued me a travel card named the Sapphire Preferred Visa. 
One of the benefits of using this card was the acquisition of travel points. 
I amassed XXXX Travel Points by my closing date of XX/XX/year>. 
The XXXX Travel Points plus {$53.00} were used to pay in full for car rentals on or about XX/XX/year>. 
The car rental transaction were handled through Chase Bank Travel department. 
On XXXX XXXX I picked up the rental car for the fully paid for rental period of XX/XX/XXXX, through XXXX XXXX, XXXX Chase Sapphire Card was used to make the {$1000.00} damage deposit required. 
On XX/XX/year>, {$740.00} was placed on the card by XXXX XXXX Rentals. Over XXXX points were deducted for that transaction also. The cost of the rental period from XX/XX/XXXX through XX/XX/year> was approximately {$490.00}. The XXXX travel points and an additional {$53.00} had covered that cost. XXXX XXXX Rental was just stealing at that point. 
I have had nothing but a run around from Chase Cards during this dispute that has lasted for months as Chase claims to have no knowledge of the transaction and has burdened me to coordinate between their affiliates to sort this theft out. Chase can never find or receive any documents sent to them. Tantamount to entrapment to financial burden of being obligated to pay high fees. Chase offers no protection from theft. I should not be Charged any money by XXXX XXXX Rentals on XX/XX/year> as the rental was fully paid for. I have spoken to the following people at chase : XXXX @ Chase travel XX/XX/year> XXXX Transferred to XXXX in member services. Got the usual denial letter after that. 
XXXX Chase representative, XXXX XXXX. Was told that the documents were received XX/XX/year> and the case was reopened on XX/XX/year>. 
XXXX @ XXXX Chase Travel partner XX/XX/year> ( Case # at that time XXXX ) XXXX  at Chase XXXX XX/XX/XXXX & XXXX, XXXX  Offered points back. Was not equal to {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This debt has been classified as a charge-off ; however, it should actually be considered income, as I should have received a Form 1099-C to properly account for it. This is not a charge-off, and I am requesting its removal from my credit report, as it does not represent an outstanding debt. Since it is classified as income, it should not appear 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 2025-01-23 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 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 credit. 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 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 2025-01-23 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: CA

Complaint narrative:
On numerous occasions I have requested debt verification. My most recent report # XXXX dated XX/XX/year> still shows the accounts and no verification was provided to me.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I had {$6000.00} transferred to me in 1 transaction from a client and was told someone would contact me but was never contacted. In another transaction there was {$50.00} credited to me and XXXX XXXX  calculated fees adding up to the amount which took the total, cash app blocked the fees, but the account was never refunded. I didnt rece Statements for that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I was diagnosed with XXXX XXXX XXXX and had to file a XXXX claim because I am unable to work. After they paid the limit of the XXXX claim, they began charging me a {$7.00} fee. I was never charged this fee until I filed a claim. Now I paid off the balance completely and they are still charging me {$7.00} a month. I called them and was told that this was a fee that they charged and when I explained to them that I never paid this prior to me filing a XXXX claim, they said it's a fee that they charge. I asked for a copy of my contract and never received it. This is not OK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccurate and misleading information on my credit report. The reporting in question appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 
Details of the Complaint : 1. Inaccurate Balance and Status Reporting : o My credit report reflects an account with XXXX XXXX. The account is reported as Collection/Chargeoff with a balance of {$24000.00} and a past-due amount of {$12000.00}. However, I believe this information is inaccurate based on the following : The balance and past-due amounts are not consistent with my records. 
The account status may not have been updated to reflect recent activity or payments.

2. Duplicate Reporting of the Account Across Bureaus : o This account appears to be listed multiple times across XXXX, XXXX, and Equifax. Duplicate reporting has caused significant harm to my credit score and misrepresents my creditworthiness.

3. Failure to Provide Accurate Comments : o The comments section contains misleading and potentially inaccurate language, such as Charged off as bad debt and Unpaid balance reported as a loss by credit grantor. I am concerned these comments unfairly damage my reputation. 
Steps I Have Taken : I have contacted the creditor and credit reporting agencies to dispute these inaccuracies. Unfortunately, the issue has not been resolved, and I have not received a satisfactory response. 
How This Affects Me : These inaccuracies have negatively impacted my credit score, leading to denials for credit and increased interest rates. This situation has caused financial harm and unnecessary stress. 
Requested Resolution : I am requesting that the CFPB investigate this matter and ensure the following : 1. The account details are verified and updated to reflect accurate information.

2. Any duplicate entries are removed from my credit report.

3. The creditor and credit reporting agencies comply with FCRA requirements to ensure my rights are protected.

I have attached copies of my credit reports, correspondence with the creditor and credit bureaus, and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I believe the account is invalid. I.C. SYSTEM, INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

I.C. SYSTEM, INC 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 2025-01-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding XXXX  XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my XXXX  XXXX account ( Account # XXXX ) on my credit report. I believe the reporting of these late payments is inaccurate and that this account should no longer appear on my credit report. 

Details of the Dispute : Account Age and Reporting Limitations : This account was opened on XX/XX/XXXX and is now over XXXX ( 10 ) years old. Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 5 ), negative information, including late payments, should not be reported on a credit report after seven ( 7 ) years from the date of delinquency. Since this account exceeds the allowable reporting period, it must be removed from my credit report immediately.

Inaccurate Reporting of Late Payments : The reported late payments on this account are erroneous and damaging to my credit profile. I am requesting that XXXX XXXX verify the accuracy of these reports. If they are unable to substantiate the late payments with proper documentation, they should be removed as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX XXXX : Dispute Regarding XXXX  XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my XXXX  XXXX account ( Account # XXXX ) on my credit report. I believe the reporting of these late payments is inaccurate and that this account should no longer appear on my credit report. 

Details of the Dispute : Account Age and Reporting Limitations : This account was opened on 08/15/2015 and is now over ten ( 10 ) years old. Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 5 ), negative information, including late payments, should not be reported on a credit report after seven ( 7 ) years from the date of delinquency. Since this account exceeds the allowable reporting period, it must be removed from my credit report immediately.

Inaccurate Reporting of Late Payments : The reported late payments on this account are erroneous and damaging to my credit profile. I am requesting that XXXX XXXX verify the accuracy of these reports. If they are unable to substantiate the late payments with proper documentation, they should be removed as required by law. 

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have held a XXXX  personal, savings and business and XXXX account as well as a personal checking and savings as well as a XXXX XXXX XXXX XXXXXXXX account with well Fargo and made many deposits and transfers as well as a XXXX account and yet they closed my accounts due to overdraft payments and withdrawals that I spoke to them about that I did not make or was unaware of and was told it would be handled then they closed all accounts which I cant do nothing with for some odd reason and I cant access anything about my personal account

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 2025-01-23 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:
I am filing a complaint against Equifax for falling to propery investigate miy 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I have inquires on my report that is unauthorized by me

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding XXXX XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of an account with XXXXXXXX XXXX XXXX Account # XXXX XXXX on my credit report. I believe the information being reported is inaccurate and requires immediate correction and/or removal. 

Details of the Dispute : Charge-Off and Balance Reporting : The account is reported as " charged off '' with a balance of {$830.00}. However, it is my understanding that once an account is charged off, the balance should no longer be reported as due. The fact that the charge-off is recorded and the balance remains listed appears to be contradictory and misleading. 

Failure to Provide IRS Form 1099-C : To my knowledge, I have not received an IRS Form 1099-C from XXXXXXXX XXXX to indicate that the debt was canceled or written off. If the debt has been charged off and canceled, the appropriate documentation should have been issued. 

Account Age and Statute of Limitations : This account was opened on XX/XX/XXXX and is now over seven ( 7 ) years old. According to the Fair Credit Reporting Act ( FCRA ), negative accounts such as this should no longer appear on my credit report once they are past the reporting period allowed by law. 

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 2025-01-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX XXXX : Dispute Regarding XXXXXXXX XXXX  Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of an account with XXXXXXXX XXXX XXXX Account # XXXX XXXX on my credit report. I believe the information being reported is inaccurate and requires immediate correction and/or removal. 

Details of the Dispute : Charge-Off and Balance Reporting : The account is reported as " charged off '' with a balance of {$830.00}. However, it is my understanding that once an account is charged off, the balance should no longer be reported as due. The fact that the charge-off is recorded and the balance remains listed appears to be contradictory and misleading. 

Failure to Provide IRS Form 1099-C : To my knowledge, I have not received an IRS Form 1099-C from XXXXXXXX XXXX  to indicate that the debt was canceled or written off. If the debt has been charged off and canceled, the appropriate documentation should have been issued. 

Account Age and Statute of Limitations : This account was opened on XX/XX/XXXX and is now over seven ( 7 ) years old. According to the Fair Credit Reporting Act ( FCRA ), negative accounts such as this should no longer appear on my credit report once they are past the reporting period allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
The impact of the inquiries from your company on my credit report has been ongoing and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collection company name : CAVALRY PORTFOLIO SERVICES Original creditor Dear Consumer Financial Protection Bureau , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
In light of recent CFPB lawsuit concerning significant issues with the platform. I am expressing my concerns regarding Zelle 's handling of dispute. 
I have used zelle plentiful times with the vulnerability of sending and receiving funds. 
With CFPB 's findings indicating of possible scams. Zelle neglected to protect consumers. Which left consumers exposed to scammers.

Company response to consumer: Closed with explanation