vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thoroughly 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 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 account I have marked as inaccurate XXXX XXXXXXXX XXXX is inaccurate I do not owe that company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I not recognize this Inquiries in my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft request deletion and removal of the listed fraudulent account LVNV FUNDING LLC Open date : XXXX XXXX total balance {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute the transactions associated with my account ending in XXXX. On XX/XX/year>, I submitted my dispute regarding an amount of {$1400.00}. In support of my claim, I provided a police report as well as documentation evidencing my whereabouts at the relevant time ; however, my claim has been denied. 

According to your website ( XXXXXXXX ), transactions are subject to a zero liability policy enforced by XXXX. Moreover, the consumer user agreement stipulates that American Express fraud protection also applies to these transactions. 

Additionally, I possess a video obtained from law enforcement that clearly depicts an individual unlawfully accessing my account. It is noteworthy that there has been a class action lawsuit regarding this specific issue for which I am seeking redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint Against Chase Bank for Failing to Prevent Ongoing Check Fraud Request for Investigation and Compensation Dear CFPB Officer, I am submitting this formal complaint against Chase Bank for its failure to prevent ongoing check fraud in my account and its refusal to compensate me for fraudulent transactions beyond the past two months. I request that the CFPB investigate this matter and help me recover my financial losses.

1. Background of the Issue I am an account holder at Chase Bank, with an account ending in XXXX. Since XX/XX/XXXX, I have noticed a recurring pattern of three unauthorized check transactions per month in my account. 
After carefully reviewing my bank statements, I found that these fraudulent transactions have been happening since XX/XX/XXXX. The pattern remains consistent, involving small check amounts ( typically {$29.00}, {$31.00}, and {$34.00} ) every month. In total, it's XXXX. Below are some examples of these suspicious transactions : Date Check Number Amount Bank Fee Deducted XX/XX/XXXX XXXX {$29.00} - {$3.00} XX/XX/XXXX XXXX {$31.00} - {$34.00} XX/XX/XXXX XXXX {$34.00} - {$29.00} ... ... ...... 

2. Chase Banks Mishandling of the Situation Upon discovering these fraudulent transactions, I immediately contacted Chase Bank to freeze my account and request reimbursement. However, the bank stated that it can only reimburse fraudulent transactions within the past two months, refusing to investigate prior unauthorized checks. I find this response highly unreasonable for the following reasons : 1 ). This is a long-term, ongoing fraud case, not a single incident The identical small check amounts appearing every month indicate that fraudsters have been exploiting a loophole in the banks security, yet the bank failed to detect this pattern. 
2 ). Chase Bank has a duty to protect account security If the bank had monitored account activity properly, it should have flagged these recurring small-dollar fraudulent checks, but it failed to take action.

3 ). Chase Banks reimbursement policy is unfair The refusal to reimburse fraudulent transactions beyond two months does not provide adequate consumer protection. 
4 ). I was unable to detect the fraud sooner Since the fraudulent amounts were small, they were easy to overlook. I only noticed the accumulated financial loss over time, which is when I reported the issue. Chase Bank should bear responsibility for failing to detect this earlier.

3. Conclusion Chase Bank failed to detect and prevent repeated fraudulent check transactions in my account, causing me financial loss over an extended period. I request that the CFPB investigate this issue and hold the bank accountable. Please contact me if you require further information. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX I opened a CD with Alliant Credit Union in the amount of {$84000.00} for a 1 year term with a dividend rate of 5.175 % and APY of 5.3 %. I received a Notice of Certificate in the mail from Alliant documenting this. In XXXX, XXXX I learn that my deposit was not put into a CD but only a savings account earning a lower interest rate. I've attempted to resolve the issue with Alliant without success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Multiple transactions were made on my Cash App. I contacted the company to solve my problem and give me a refund, but they refused, claiming that I authorized the transactions. I need my money back because I'm 100 % sure that I didn't do anything wrong. These transactions has happened about five years ago and I still trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Under FDCPA regulations you can not collect a debt that is over 6 years old I provided court documentation to establish a approximate date of XXXX to XX/XX/XXXX when the law suit was filed so the actual debt would have been XXXX or older. Furthermore this was a court case credit debt filed in XX/XX/XXXX which again is past the statue of limitations for collecting a debt which as I am sure you are fully aware of is a FDCPA violation. I would also like to add the misleading letter attached to this complaint with what appears to be threatening legal action if payment is not made? I would like to add that reaging a debt is illegal and that before we take action because of all these FDCPA violations and the fact the our rights are being violated for this clearly outdated debt. We are officially requesting all debt validation, chain of title, original creditors charge-off account, all payments made on account, and the debt purchase agreement and any other information contained there in. We request this information than after that we are officially requesting a cease and desist order for all collections and reporting of debt and removal of set debt from all three credit reporting agencies immediately. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Received summon papers by Portfolio Recovery associates at my apartment. They left the summons at the door without knocking they only contacted me once by phone. The debt was for balance I could not afford to pay on the XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX a total of seven unauthorized transactions took place on my Chime Account for the amount of {$1300.00} XXXX filed a dispute because I suspected suspicious activity on my account and Chime denied my claim I reopened my claim three times and chime denied my claim all three times and I submitted supporting evidence I submitted my time sheet showing I was at work when these transactions took place and I submitted a police report I filed. It says the transactions was sent to somebody in Arkansas I dont stay or know anybody in Arkansas . My paycheck was basically stolen out of my account and left my account in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am filing a formal complaint against Equifax for its failure to maintain accurate credit reporting practices, which has resulted in improper credit accounts appearing on my credit report. Given that Equifax is currently facing legal action for its negligent handling of consumer credit information, I am deeply concerned that my credit profile has been negatively impacted due to similar misconduct. I have disputed this information directly with Equifax, but they have failed to properly investigate and correct the errors. This has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental XXXX XXXX XXXXXXXX XXXX XXXX XXXX to the point I had to have XXXX XXXXXXXX XXXXXXXX XXXX XXXX several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows two late payments ; one for 30 days another for 60 days. Equifax : Shows one 30-day late payment. XXXX : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows two late payments ; one for 30 days another for 60 days. XXXX : Shows XXXX XXXX late payment. XXXX : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palmar, Inc.
State: GA

Complaint narrative:
According to 15USC 1692g.

1.Send me detail list of the history of payment made by me on this account.

2.I want to see the signature that I put on the contract stated that this debt would be paid.

3. Have there been any insurance claims filed on this debt.

4. I want proof that the company has the chain of title to collect on this debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized access and use of my personal information as it relates to my consumer credit report and financial data. Upon reviewing my records, I have identified instances where my personal and financial data were accessed or used for account XXXX without my consent, in violation of the following federal statutes : 1. 15 USC 6802 Privacy of Consumer Financial Information : Under this provision of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing personal financial information without explicit consent from the consumer. I assert that my personal financial information has been accessed or shared without my consent, which violates the provisions outlined in 15 USC 6802. I request immediate clarification and resolution regarding how my data was accessed and why this occurred.

2. 15 USC 1681b Permissible Purpose for Obtaining Consumer Report : Under the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for permissible purposes as defined under 15 USC 1681b. I do not believe the party requesting access to my credit report had a valid, permissible purpose to do so. I request that you provide a full explanation and documentation of the legitimate purpose for any inquiries made into my credit report, as well as any actions taken based on that information.

3. 18 USC 1028A Identity Theft : The unauthorized use of my personal information may also constitute identity theft under 18 USC 1028A. If my identity has been stolen, I demand an immediate investigation into this matter, and all necessary actions to rectify any fraudulent activities associated with my name and personal data. I request that you provide me with detailed information on any suspected fraudulent activities that have occurred.

As a consumer, I have the right to protect my personal and financial information from misuse and unauthorized access. Please investigate these concerns immediately and provide me with a resolution. If my information has been accessed or used inappropriately, I demand that corrective actions be taken and any negative impacts on my credit report be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief