vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
XXXX has continually reported fraudulent accounts for YEARS. I have continued to get them removed and they continue to replace the item sometimes at the same or differing amounts with zero notice or legal right to do so. I also now have a credit card showing up as XXXX that I never requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Request to Cease Communication and Removal of Account Due to Data Breach under 15 USC 1692c ( c ) Dear Sir or Madam, I am writing to formally request that all communications from AWA COLLECTIONS regarding the debt referenced below cease immediately, and that this account be removed from collections, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Details of Debt : Creditor Name : AWA COLLECTIONS/ XXXX XXXX XXXX Account Number : XXXX Debt Amount : {$180.00} The additional reason for this request is that I have recently been made aware of a data breach involving [ Name of Company or Service ], which I believe has compromised my personal information. As a result of this breach, I am concerned that the information used to pursue this debt may have been obtained through fraudulent means or mishandled in violation of my privacy rights.

In light of this breach, I am requesting that the debt be removed from collections and that no further action be taken regarding this account until this issue is fully resolved. Under the provisions of 15 USC 1692c ( c ), I also request that you cease all further communications with me regarding this debt. This includes all phone calls, letters, and other forms of contact, except for any necessary legal notices or required actions.

Please ensure that your records are updated accordingly and confirm that this request has been processed. If you need any additional information to proceed with this request, please feel free to contact me.

Thank you for your immediate attention to this matter. I trust that you will comply with my request under the FDCPA and take appropriate action in response to the data breach. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN HAD BLOCKED ALL THE CREDITORS IN MY REPORT, AND REMOVED THE INQUIRIES. HOWEVER, I LEFT SOMETHING OFF CALLED BACK AND GOT A NEW FRAUD REPRESENTATIVE, SHE REINSERTED ALL THE INFORMATION BACK IN THE REPORT, HER NAME WAS XXXX, WITH NO REASONING, AFTER XXXX HAD ALL THE INFORMATION CORRECTED AND DELETED. I SUED EXPERIAN A FEW YEARS AGO, AND WON THE CASE, SO I ALWAYS HAVE WHAT SEEMS LIKE RETALIATION WHEN I TRY TO GET ANYTHING CORRECTED. THEY DONT EVEN TRULY VERIFY THE INFORMATION, THEY JUST COME BACK VERIFIED. I SEND THEM ALL THE FTC REPORTS, AND CFPB REPORTS, AND THEY HAVE STATED THEY WERE NOT VALID, SO I ACTUALLY FILED A POLICE REPORT, ALONG WITH THE REPORTS. I HAVE XXXX XXXX, WHICH IS NOT EVEN POSSIBLE IN THE TIME FRAME THEY STATED, YOU CANT EVEN DO THAT, AND THEY SAID THEY VERIFIED THROUGH XXXX WHICH IS INCORRECT, BECAUSE XXXX HAS NOTHING NEGATIVE ABOUT ME NOR ANY XXXX. 

XXXX, SENT IN A LIST OF THINGS THEY HAD DELETED TO THE CFPB ON MY RECORD, HOWEVER, THOSE ITEMS ARE STILL THERE. THEY STATED THEY RECEIVED A REPORT FROM EXPERIAN THAT THEY HAD DELETED THE ITEMS, THEY GOT A REPORT FROM EXPERIAN AND REINSERTED THE ITEMS. THATS NOT THE WAY THAT IS SUPPOSED TO BE DONE, BUT YOU CORRECTED ALL THE FRAUDULENT INQUIRIES OFF. 

XXXX, HAS XXXX NEGATIVE ITEMS, WHICH ARE NOT MINE, AS WELL AS A XXXX, THAT THEY CANT VERIFY THATS NOT MINE, BASED ON XXXX NO XXXX  INFORMATION EXISTS ON THEIR RECORDS. 
THEY ARE NOT USING MY CREDIT REPORT CORRECTLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear CFPB, This is a complaint about Bank of America refusing to comply with the Fair Credit Billing Act, which requires BOA to give written acknowledgement that it received my credit card billing error dispute claim, FAXed XXXX XX/XX/XXXX, and also requires BOA to conduct a reasonable investigation of my claim. 

I spoke to a Bank of America XXXX on XXXX XX/XX/XXXX, who said that to FAX a credit card billing error dispute claim to BOA, I would FAX it to XXXX. I did, that same day, FAX my written claim to BOA, at that FAX number. ( This was to dispute a charge dated XXXX XX/XX/XXXX, and not to be confused with a prior dispute I previously filed about an unrelated charge. ) I next followed up multiple times, by voicemail and email, to XXXX XXXX XXXX XXXX, because she had previously assured me that she, and anyone else on her XXXX XXXX XXXX would be able to email me confirmation that a FAXed billing error dispute had been received. But my communications were ignored. 

I therefore called on XX/XX/XXXX, and this time asked for the XXXX XXXX XXXX. I spoke to a team representative, and to XXXX levels of supervision above him, and they said XXXX XXXX had misinformed me, and that BOA has a policy of refusing to provide written confirmation that any document was received in regard to a credit card billing error dispute. I told them that if there is any doubt, about XXXX receipt of my XX/XX/XXXX FAX, then I want to FAX a second copy of it immediately to BOA, and then have BOA immediately email me confirmation that the second copy was received ( I didnt want to email the FAX, because it contains my credit card number as required, which would be a security risk via email ). But they told me that BOA would not provide me email or other written confirmation, at any time, now or in the future, that any such document was received. The entire phone call wasted over XXXX hours of my time, either struggling with their automated response system, waiting on hold, or arguing with totally unreasonable employees. 

This BOA policy is obviously unreasonable, corrupt, ludicrous and totally unacceptable effort to evade the Fair Credit Billing Act. I demand either : immediate written confirmation that my FAX was received, or in the alternative, that BOA immediately arrange for me to FAX a second copy, and then for BOA to email me immediate confirmation that the second copy was received. 

Sincerely, Another victim of Bank of America

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 monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute outdated and inaccurate personal data on my credit report.under the fair credit reporting act [ FCRA ], specifically 15 USC 1681 e ( b ). Outdated or inaccurate personal data must be removed to ensure maximum accuracy. Please delete these following items immediately in accordance with the law. Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is outdated and inaccurate and should not be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have gathered over {$35.00} individual withdrawals from my Wells Fargo XXXX  XXXX  that adds up to {$1200.00} just since XX/XX/XXXX. Mind you, I have had a checking account with Wells Fargo since XXXX and presume there to be many more excessive overdraft withdrawals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, Equifax consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. 
This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against Equifax for similar violations XXXX 
I respectfully request that the CFPB take appropriate action to ensure that Equifax complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. 
Thank you for your attention to this matter. 

Here are the accounts i marked as inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 proces? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
This is involving cash app I would have random transactions sent to random accounts all amounts being small but frequently that is Added to a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

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 credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been a victim of identity theft. my wallet was stolen when I was on vacation and somebody got my personal information and open a number of accounts in my name, and the credit agencies are reporting these false claim. I have attached my FTC report listing all the negative accounts they are reproting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
Ive asked multiple times via phone calls for them to send me in writing a debt validation letter multiple times. Ive also disputed this with XXXX due to inaccuracies and it keeps coming back valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are several reported accounts on my credit report that current status are charge offs/ profit and loss written off that I havent received any XXXX forms from but yet is still being reported thats affecting my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are several reported accounts on my credit report that current status are charge offs/ profit and loss written off that I havent received any XXXX forms from but yet is still being reported thats affecting my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: 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: GA

Complaint narrative:
I tried disputing these hard inquiries off my credit from all XXXX bureaus and havent been successful removing all these inquiries I have not done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation