vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC 1681g, I ask that they be removed within 15 days. Please find the enclosed documents for your review.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
According to XXXX XXXX Transunion XX/XX/XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b )

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 2025-02-05 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:
XXXX, Experian, and XXXX Credit Reporting Agencies failed or are believed to have failed to investigate disputes that were their agencies on numerous occasions. Recently, on or about XX/XX/year>, several disputes were filed again after previous dispute items were still showing on my credit profile or report. I am now contacting the CFPB to assist in these dispute investigations to ensure that accurate and correct information is being reported across all agencies. This affects my livelihood, employment opportunities, funding opportunities, and more.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 proce 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Details I am filing this complaint against Chase Bank regarding their unfair and deceptive overdraft practices, which have resulted in financial hardship during my period of unemployment. 

In XX/XX/year>, I noticed that Chase allowed several transactions to be processed on my checking account, even though I do not have overdraft protection enabled. According to Chases policy, without overdraft protection, any transaction that exceeds my available balance should be declined. However, Chase approved these transactions and then charged me overdraft fees, which is inconsistent with their stated policies. 

After reviewing my account, I saw multiple overdraft fees assessed on transactions that should not have gone through in the first place. As a result, my account became negative by nearly {$300.00} in XXXX, and almost {$400.00} two weeks later, at the top of XX/XX/year>. These negative balances significantly affect my ability to cover necessary expenses such as transportation, utilities, and groceries. 

My only source of income at the moment is my unemployment benefits, which amount to approximately {$2000.00} monthly. Because of these unfair fees, a substantial portion of my unemployment check is now being absorbed by exhorbitant penalties rather than covering my essential needs. 

I reached out to Chases customer service and spoke with representatives, including the escalation team, to request a reversal of these improperly charged fees. Despite explaining my situation and the banks error in allowing transactions that should have been declined, Chase refused to refund the overdraft fees, suggesting that they have the right to choose to approve transactions even if funds are not available. Their refusal is particularly harmful given my current financial situation and the fact that the fees were charged due to their own system allowing unauthorized transactions. The escalation representative indicated that only XXXX overdraft fees could be reversed in a calendar year, yet they have imposed more than XXXX illegal fees on my account since XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of a previously removed item on my credit report. This dispute pertains to which was previously resolved and removed from my credit report. 

I received notification that this item was deleted from my credit report. However, I have recently discovered that the item has been reinserted as of XXXXXXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), any information that is removed from a credit report must not be reinserted unless the reporting agency has verified the accuracy of the information and has provided me with a notice regarding the reinsertion. I have not received any such notice. 

I hereby request that you conduct a thorough investigation into this matter, as I believe the reinsertion of this item is inaccurate. Please provide me with documentation that verifies the reinserted item and confirms compliance with the FCRA. 

In addition, I request that you remove this item from my credit report immediately if it can not be verified. 

Enclosed are copies of my credit report highlighting the reinserted item, as well as any relevant documentation regarding the prior removal of this debt. 

Please respond to my request within 30 days, as required by law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: LEXISNEXIS
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
XXXX, Experian, and XXXX Credit Reporting Agencies failed or are believed to have failed to investigate disputes that were their agencies on numerous occasions. Recently, on or about XX/XX/year>, several disputes were filed again after previous dispute items were still showing on my credit profile or report. I am now contacting the CFPB to assist in these dispute investigations to ensure that accurate and correct information is being reported across all agencies. This affects my livelihood, employment opportunities, funding opportunities, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
XXXX, Experian, and XXXX Credit Reporting Agencies failed or are believed to have failed to investigate disputes that were their agencies on numerous occasions. Recently, on or about XX/XX/year>, several disputes were filed again after previous dispute items were still showing on my credit profile or report. I am now contacting the CFPB to assist in these dispute investigations to ensure that accurate and correct information is being reported across all agencies. This affects my livelihood, employment opportunities, funding opportunities, and more.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-05 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: T.S. Holdings
State: MD

Complaint narrative:
Subject : Complaint Against IQ Data XXXX  Failure to Validate Debt & Inaccurate Reporting To Whom It May Concern, I am submitting a complaint against IQ Data XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and Maryland state regulations.

1. Failure to Validate Debt I disputed a debt reported by IQ Data XXXX  with the credit bureaus, but the account was marked as verified without any supporting documentation, such as a copy of the original contract or evidence proving the validity of the debt. This violates my right to debt validation. 
XXXX. Fraudulent Address Reporting The company is reporting an incorrect address as mine, preventing me from disputing this account. This deceptive practice keeps inaccurate information on my credit report and harms my financial standing.

3. Unlicensed Operations in Maryland After reviewing the NMLS Consumer Access Database and contacting t
he Maryland Board of Licensing, I found that IQ Data XXXX  does not have a license to operate in Maryland. If they are collecting debts without a proper license, they are in violation of state laws. 

I have already filed a complaint with the XXXX XXXX XXXX XXXX XXXX  ) and am seeking assistance through the CFPB to ensure this matter is fully addressed. 

Requested Resolution : Immediate removal of this inaccurate account from my credit report due to the lack of proper debt validation.

Correction of the fraudulent address reporting, which is obstructing my ability to dispute the account. 
Investigation into IQ Data XXXX  licensing status in Maryland to determine whether they are legally authorized to collect debts in the state. 
A response from IQ Data XXXX explaining why they failed to provide proper debt validation. 

If this issue is not resolved, I will escalate it to the Federal Trade Commission ( FTC ) and the Maryland Attorney Generals Office. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
Wells Fargo performed unauthorized activity related to my account, for Debit Card transactions and illegal monthly fees. I submitted a mediation form and Wells Fargo marked it as duplicative although we never address the case in mediation. This is a NEW claim and NEW tracking number. 
Tracking # XXXX needs to be re-opened for mediation as it does NOT relate to the XXXX products addressed in previous mediations.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 Electric 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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/XXXX, around XXXX, I deposited {$1500.00} into the Chase ATM in XXXX XXXX. The ATM took my money & never deposited it into my account. A slip was printed with a phone number to contact & I was told the money would be credited into my account within 2-4 business days. I do not have time to wait on this deposit, I needed it today. Also, it's a credit, so how is that fair? What if they do not check the cameras, or correctly count the money that was deposited into the ATM that day?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), XXXX U.S.C XXXX ( b ) XXXX U.S.C. XXXX ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXXeb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Subject : Dispute : Failure to Conduct Reasonable Investigations as Highlighted in CFPB Lawsuit Dear Equifax, Experian and TransUnion I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as my formal Round 2 dispute regarding the following accounts : 1. XXXX XXXX-These account are reporting inaccurate despite no supporting documentation 2. XXXX XXXX XXXX XXXX -This account is not mine and remains unverifiable. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPBs complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. 

As per the FCRA XXXX ( XXXX U.S.C. XXXX ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 

2. Furnish me with the Original contract of these debts, 3. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPBs findings and your previous handling of my dispute, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Conduct a thorough and reasonable investigation into the disputed accounts listed above. 

2. Delete or correct any unverifiable, inaccurate, or incomplete information. 

3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 

4. Send me an updated copy of my credit report reflecting any changes. 

I have included copies of relevant supporting documents and identification to aid in your investigation. Under FCRA XXXX ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. 

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 


I sent certified letters to TransUnion, Eqifax and Experian as my second attempt to resolve this matter,

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