vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I got accounts that are too old and keep reappearing as new accounts they delete the old ones and keep the recent ones to extend the length of the statute of limitations. 
plus, the dates are wrong across the credit reporting agencies. 
i also would like to be remedied {$6000.00} due to negligence of Experian, XXXX and XXXX of disregards my rights as a consumer by report inaccurate information keeping me with a bad credit score.

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 2025-01-19 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: NY

Complaint narrative:
I reviewed my annual credit report on XX/XX/year> and saw some accounts, addresses and phone number that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NY

Complaint narrative:
I reviewed my annual credit report on XX/XX/year> and saw some accounts, addresses and phone number that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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'm 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 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 2025-01-20 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: IL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-01-20 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: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
My personal information was involved in a country wide data breach and the credit reporting agencies have failed to respond to my disputes properly and in a timely manner

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 2025-01-20 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: CL Holdings LLC
State: OH

Complaint narrative:
My personal information was involved in a country wide data breach and the credit reporting agencies have failed to respond to my disputes properly and in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reported several inaccuracies on my credit profile and or report. I have mailed letters to Experian for over three years requesting they remove inaccuracies from my credit profile and credit report. They have wrong or misspelled names, wrong social security numbers, wrong phone numbers, wrong email addresses, wrong addresses. I requested these all be removed. The ones they removed they put back along with the wrong account information. Or they just refused to verify and remove.

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 2025-01-19 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: WI

Complaint narrative:
I submitted a dispute to have the hard inquires removed from my credit report to all three credit bureaus Equifax is refusing to remove this from my report, I have also filed a ( FTC ) federal trade commission identity theft report sent this along with the dispute. I contacted Equifax via phone about this matter on two separate occasions, once I was told the information on the FTC report was inaccurate, on the other occasion I was told the FTC report number ( XXXX ) was incorrect. According to 15 USC1681c-2 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, not later than 4 business days after the date of receipt by such agency of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: PA

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 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Demand for Account Blocking and Deletion under 15 USC 1681c-2 ( a ) To Whom It May Concern, This letter serves as a formal demand under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of the XXXX data breach, which compromised my personal information and resulted in fraudulent accounts being opened in my name.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is reporting to all 3 credit bureau 's as of XX/XX/XXXX i owe them {$190.00}. This is not my account and I have disputed this before. It was originally with Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$190.00}. It was CHARGED OFF! AND NOW IT WAS SOLD AND PUT BACK ON MY CREDIT AFTER 7 YEARS UNDER A NEW COMPANY 'S NAME AS OF XX/XX/XXXX. THIS IS NOT MY ACCOUNT IT NEVER WAS MY ACCOUN TO BEGIN WITH, T IT WAS ON MY REPORTS FOR 7 YEARS AND NOW THEY SOLD IT AND A NEW COMPANY I NEVER HEARD OF IS SAYING I OWE THEM NOW, ITS FRAUD! PLEASE MAKE THEM STOP! I HAVE ALSO BEEN EXPOSED TO SEVERAL DATA BREACHES, THIS IS NOT MINE.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is reporting to all 3 credit bureau 's as of XX/XX/XXXX i owe them {$190.00}. This is not my account and I have disputed this before. It was originally with Original Creditor Name XXXX XXXX XXXX  XXXX FROM XX/XX/XXXX for {$190.00}. It was CHARGED OFF! AND NOW IT WAS SOLD AND PUT BACK ON MY CREDIT AFTER 7 YEARS UNDER A NEW COMPANY 'S NAME AS OF XX/XX/XXXX. THIS IS NOT MY ACCOUNT IT NEVER WAS MY ACCOUN TO BEGIN WITH, T IT WAS ON MY REPORTS FOR 7 YEARS AND NOW THEY SOLD IT AND A NEW COMPANY I NEVER HEARD OF IS SAYING I OWE THEM NOW, ITS FRAUD! PLEASE MAKE THEM STOP! I HAVE ALSO BEEN EXPOSED TO SEVERAL DATA BREACHES, THIS IS NOT MINE.

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 2025-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
My credit score took a XXXX to hit today because of an emergency room visit..I have worked hard to get my credit score up to get approved for a home for my family and was in the process of looking at houses..Now I'm back at square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
On XX/XX/2024, I was charged a combined {$1700.00} for the illegal purchase of five digital software programs from XXXX XXXX via XXXX I discovered the purchases after I received emails from XXXX with download instructions. Once I discovered this, I immediately ( within an hour of receiving the emails ) called XXXXXXXX XXXX  and told them I was the victim of fraud and did not make these purchases. I asked them what further steps I should take and they said they would investigate. I then contacted my CC company ( the credit line/card is through XXXX XXXX XXXX  and reported the fraud. They closed the account, refunded the fraudulent purchases to my account, and opened a new account for my remaining balance of past legal purchases. At this point, I felt the issue was resolved. This was not the first time I had this sort of issue come up and it was always resolved in this manner. 

A month later, I noticed the charges were back on my CC statement. I inquired as to why this was and was told that their investigation concluded that I had made the purchases. I vehemently denied this and asked for another review. They sent out an affidavit where I provided this written description of what happened. They then removed the amount and opened the investigation. A month later, the charges were back again! They concluded the same thing. According to Synchrony Bank, this was because the software came to a 'certified email ' address so they assumed I had purchased it. I disputed this again and they said they would open another investigation. This has happened at least 3 times to date. 

As of today, I still have the fraudulent purchases on my account. I have made my last payment to Synchrony Bank for the properly purchased, legal items, on my account. So instead of celebrating a good Credit score, and a paid-off CC I am writing this as I will not pay any of the fraudulent money to the company. I am worried this will destroy my credit score ( the entire reason I went with a CC to begin with ) or that I will incur a large amount of late fees. I was never contacted by anyone looking for further information, it seems they just said, " Well it went to his email so he must have bought it. '' I was never given a copy of any of the reports.

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 2025-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a late payment on my XXXX XXXX XXXX  account ( Account Number : XXXX ) by Experian and XXXX XXXX XXXX. 

The issue pertains to a 30-day late payment reported for XX/XX/year>. This reporting is incorrect for the following reasons : 1. The Scheduled Payment Amount for XX/XX/year> was {$0.00}, meaning no payment was due that month. 

2. The account was fully paid on XX/XX/year>, with an actual payment of {$18000.00}, and subsequently closed with a XXXX balance. 

3. The account status is listed as Paid, Closed, confirming that it was resolved without delinquency.

This misreporting has adversely affected my credit score and violates the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 611 ( a ) : Ensures accurate reporting by consumer reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting false or incomplete data.

I have attempted to resolve this issue by disputing it directly with Experian and XXXX XXXX XXXXXXXX. I provided them with supporting documentation, including payment records and account details, but have not received a resolution. 

I request that the CFPB intervene to ensure Experian and XXXX XXXX XXXX correct this inaccurate reporting immediately. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or ( XXXX ) XXXX for additional information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 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
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was notified by alert that a new account was opened between XXXXXXXX XXXX to XX/XX/year>, I immediately called transunion a representative reviewed my account and said she was very sorry and didn't kno why my great standing account had been removed and she was immediately adding it back, this has taken a mental toll on me XXXX it's damaging my credit report I've been working hard on, it's now reporting a new account and it has deducted XXXX points from XXXX  account, this violate my rights XXXX, they need to fix this immediately or I will seek litigation that I am allowed to, I'm attaching all the proof that this account has been reporting and never should have been removed unauthorized

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cashapp took money off the account that someone had put on there for me not once but a few times in XX/XX/XXXX XXXX of XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to formally dispute the recent XXXX XXXX XXXX XXXX XXXX report, which incorrectly classifies my XXXX XXXX account, not held for XXXX years, as " Account Abuse. '' This classification is unfounded and lacks any supporting evidence, mainly because I have maintained a responsible banking history during this period. Furthermore, following the abrupt closure of my account by Chase Bank, I was not provided with any justification for this action, leaving me confused and concerned. As a result of these issues, I have encountered significant difficulties in opening a new checking account, as major banks associated with XXXX XXXX XXXX have denied my applications without explanation or ways to remove this blemish from XXXX XXXX XXXX This situation is frustrating and unjust, and I request a thorough review of my account history and the associated claims to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

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

Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation