vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Dear Account Resolution This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 


This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debit amount {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am filing this complaint against Experian for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report.

15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information.

15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. 
I have sent multiple dispute letters to Experian requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Experian has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. 

Recently, I became aware of the CFPB 's lawsuit against Experian for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. 

I am requesting the CFPB to investigate Experians handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights, as evidenced by the CFPB 's recent lawsuit against them.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
This letter serves to inform you that you have made an unauthorized use of our copyrighted name and symbols in your operation.I demand that you immediately cease the use of such identification on your campus of any association with Velocity Investments , LLC. I demand that you desist from this or any other infringement of my rights in the future, referenced under the United States

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 2025-01-28 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: LA

Complaint narrative:
The inquiries on my credit reports are false and must've been exposed in a data breach.

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 2025-01-28 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: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

I want the CFPB to publish this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Can you please investigate the bankruptcy on my credit file. On XXXX XXXX it shows that i have a bankruptcy on my account XX/XX/year>.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Can you please investigate the bankruptcy on my credit file. On XXXX XXXX it shows that i have a bankruptcy on my account XX/XX/year>.

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 2025-01-28 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: PA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: HI

Complaint narrative:
The repeated errors on my report are causing me a great deal of stress and XXXX. It feels like I'm constantly fighting an uphill battle, trying to prove my creditworthiness when these inaccuracies paint a completely false picture of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo Bank regarding unauthorized overdraft fees that were charged to my account. In the year XXXX, Wells Fargo Bank applied overdraft fees of {$35.00} per transaction for a total of 12 transactions, amounting to nearly {$420.00}. I did not authorize these charges and was not aware of the overdraft fees being applied to my account. 

In XX/XX/year>, I contacted Wells Fargo Bank to request a refund for all the unauthorized overdraft fees. Despite my request, Wells Fargo Bank only refunded {$70.00} for two transactions, leaving a substantial amount of {$350.00} still outstanding. I have not received a refund for the remaining charges, and the bank has refused to provide further reimbursement. 

I wish to emphasize that I did not authorize these overdraft fees and it is unjust for Wells Fargo Bank to withhold the refund for charges that were not approved by me. I urge Wells Fargo Bank to review my account history, acknowledge the unauthorized nature of these charges, and provide a full refund of the remaining {$350.00} without further delay. 

I have attached relevant documents, including copies of my account statements highlighting the unauthorized overdraft fees and the partial refund provided by Wells Fargo Bank for your reference.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Regarding Unauthorized Transaction on XXXX XXXX Dear CFPB, I am writing to file a complaint about a n unauthorized transaction that occurred on my XXXX XXXX account. 

Details of the Incident : Date of the Transaction : XX/XX/year> Transaction Amount : {$1000.00} Recipient or Description of Transaction : XXXX XXXX Refunded the funds to a XXXX XXXX XXXX XXXX. I have never sent or received any money from the Business. I do not know this person. I called XXXX XXXX and explained to them that this is a mistake, and they told me that there is nothing they can do about it and that it is finale. I reached out to Chase Bank ; they gave me the funds back until they did an investigation. On XX/XX/year> they reversed the payment and gave it back to XXXX XXXX XXXX XXXX. XXXX told me that the reason they gave them my money is because they verified who they were. I explained to them that I'm disputing the fact that I never sent them money. No one from XXXX reached out to me for any documents or statements that may have helped with the investigation. I have tried to look this company up and could not find anything. I believe that I have been a victim of Wire fraud and Chase Bank is allowing it to happen. 

My XXXX XXXX Account Details : XXXX XXXX  This Transaction was neither authorized nor initiated by me. I discovered the issue on XX/XX/year> when I reviewed my account. 

Steps Taken So Far : 1. I contacted XXXX XXXX support via their in-app support feature on XX/XX/year> to report the unauthorized transaction. When i couldn't get it resolved with them, I contacted Chase bank. 
2. I requested a refund and provided all relevant details, but XXXX XXXX denied my claim. 
3. I also reported this matter to my bank XX/XX/year> but also denied m claim. 

Despite my efforts, this matter remains unresolved. This has caused financial and emotional stress, as this unauthorized withdrawal directly impact my account balance. 

Desired Resolution : I am seeking the CFPB 's assistance in securing a refund for the unauthorized transaction and ensuring the XXXX XXXX and Chase Bank improves its handling of such cases, including providing timely and fair resolutions for its users. 

Supporting Documents : I am attaching any relevant documentation, including screenshots of the transaction, correspondence with XXXX XXXX Support, and my bank 's communication. 

Thank you for reviewing my complaint. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Just received this letter indicating " FINAL NOTICE '' telling me that my property 's coverage " secured by CITIBANK NA '' was expiring and that I should call them at XXXX to bring my coverage up to date otherwise I would be at risk for any and all repairs, etc. 
Otherwise CITIBANK " reserves the right to revoke eligibilty ... " etc. 
Respond immediately, etc.using the included {$190.00} voucher to offset Reistration Fees. 

So what's wrong with this picture? 

It's a total scam. 

I've never had CITIBANK home insurance coverage and never will. 
But a lot of more naive people probably do fall for this scam -- but as the Internet CITIBANK is no stranger to deceptive practices and fraud, going back at least a decade.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours starting 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, TransUnion '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion 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 non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that 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 mandated a reasonable investigation of disputes/ Furthermore, Equifax 's actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

** XXXX XXXX XX/XX/year> {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have contacted you due to an issue with Capital One Bank. For two days they have frozen my savings and checking account due to fraud. I have gone to my local branch and provided information and identification that let them know there was no fraud. However, they refuse to release my accounts and allow me access to my funds. Ive been told that i have to talk to a certain person at a certain number, and have made NUMEROUS attempts to do so ; even spending as much as 5 hours at a time on hold. To date, I have spent a total of 10 hours on hold, and two hours in a branch, talking to XXXX. Absolutely NOBODY will help me. They have taken my accounts hostage, are refusing access to ANY money to me, will not talk to me, and have left me with no recourse to have access to one penny, even with proof of no fraud. I desperately need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my 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 2025-01-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 non-monetary relief
Consumer complaint received 2025-01-28 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 am filing a complaint against Cash App ( BLOCK, INC. ) due to inadequate customer service and unfair practices, white 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 disputes 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 2025-01-28 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-28 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: FL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
company has called my phone for 7 months in a row and i told them this is not my account

Company response to consumer: Closed with non-monetary relief