vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a fraud charge on my credit card from XXXX for {$480.00} on XX/XX/year>. I do not recognize this vendor or this charge. I reported it was a fraud to Chase but Chase closed the case with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I received information from Huntington Bank on my last statement period that they removed {$83.00} ... from my checking account to pay a stand by cash account. There was no balance on my stand by cash account. It was paid a while back in the typical three monthly installments. No further credit was available to me on that account. Making it impossible for me to have any new stand by cash loan be made. I asked for a copy of that stand by cash account statement. None was given to me. I did speak with a gentleman at Huntington Bank customer service who gave me some ridiculous information about differing XXXXXXXX XXXX amounts being paid on that stand by cash account. Again I asked for a copy of a statement. None was given to me. This money has never been returned to me and no effort has been made by Huntington Bank to clear up this theft. I want immediate action taken to stop Huntington Bank from these egregious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been working with my wife to try to get a construction loan for our house. I have been debt free for XXXX  years now, while she maintains a small credit card as part of her month to month expenses. We were rejected for any loan product because while she does have good credit, they were unable to generate a credit score for me. 

When we went looking into my credit reports, all three reports show a solid credit history up until I paid off my last debt in XXXX or XXXX, with multiple accounts showing at least some payment history within the past XXXX years, with no negative hits on my history. However, all three credit reporting agencies are saying that they can not generate a credit score for me, and the bank in question, TD Bank, refuses to process a loan application without a credit score, positive credit history not withstanding.

One of the things I noted during the time frame was with my Experian report, which showed the accounts that were used in generating the credit score. It did not show ANY of the closed accounts, which were all part of the credit report, and just stated that there were XXXX closed accounts on my report. When I reached out to Experian to dispute this, they opened a ticket to look into the matter. When I called back to follow up on this, the representative who answered would not give me an answer about the issue of the lack of accounts showing on the score generator, but noted that there was an error message saying that 'because I did not have any credit activity in the last 6 months, they were unable to generate a FICO score for me '. I got similar responses from the other two agencies.

Considering according to FICO 's own website, their scores are only 10 % new credit, and 50 % are the length of the credit history ( over 10 years ) and Payment History ( excellent ), this is stupid. I could understand a 'lower ' score given the lack of recent activity, but no score at all makes no sense. If anything, it is a predatory and discriminatory practice against anyone who gets themselves out of debt. Previously, anything up for the last 7 years would be taken into account - given that, would any 'new ' credit bring back the 'old ' information in the report? No one has been able to answer that. And if not, then why has no one been made aware that the scoring algorithm no longer takes into account actual 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been working with my wife to try to get a construction loan for our house. I have been debt free for XXXX  years now, while she maintains a small credit card as part of her month to month expenses. We were rejected for any loan product because while she does have good credit, they were unable to generate a credit score for me. 

When we went looking into my credit reports, all three reports show a solid credit history up until I paid off my last debt in XXXX or XXXX, with multiple accounts showing at least some payment history within the past XXXX years, with no negative hits on my history. However, all three credit reporting agencies are saying that they can not generate a credit score for me, and the bank in question, TD Bank, refuses to process a loan application without a credit score, positive credit history not withstanding.

One of the things I noted during the time frame was with my Experian report, which showed the accounts that were used in generating the credit score. It did not show ANY of the closed accounts, which were all part of the credit report, and just stated that there were XXXX closed accounts on my report. When I reached out to Experian to dispute this, they opened a ticket to look into the matter. When I called back to follow up on this, the representative who answered would not give me an answer about the issue of the lack of accounts showing on the score generator, but noted that there was an error message saying that 'because I did not have any credit activity in the last 6 months, they were unable to generate a FICO score for me '. I got similar responses from the other two agencies.

Considering according to FICO 's own website, their scores are only 10 % new credit, and 50 % are the length of the credit history ( over 10 years ) and Payment History ( excellent ), this is stupid. I could understand a 'lower ' score given the lack of recent activity, but no score at all makes no sense. If anything, it is a predatory and discriminatory practice against anyone who gets themselves out of debt. Previously, anything up for the last 7 years would be taken into account - given that, would any 'new ' credit bring back the 'old ' information in the report? No one has been able to answer that. And if not, then why has no one been made aware that the scoring algorithm no longer takes into account actual credit history?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: I.C. System, Inc.
State: MO

Complaint narrative:
I am filing this complaint because have had to request the removal of this account from my XXXX credit report, as it does not belong to me. I have never resided in the state where this account was created, nor have I ever utilized their services or incured a debt owe of {$360.00}. Despite providing documentation to the other credit bureaus on multiple occasions, I have had to repeatedly request removal of this account debt as well removal of incorrect information of residence ( which both were filed the first time in XX/XX/year> to present day ) until it was finally deleted from XXXX other credit bureaus as well as this one. However, this account continues to appear on my XXXX credit report after previously being removal. I recently submitted another request for removal, ( as well as disputing information again with XXXX ) yet it still appears on their report yet again. I possess documentation from the other credit bureaus, as will as repeat removal from this and my other credit bureaus account, to demonstrate to XXXX that this is not my account and should be removed yet again. can attached if deem with necessary documentation to support my claim.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ).

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

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

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 2025-02-07 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: AZ

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$280.00} XXXX XXXX - XXXX - {$53.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

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 2025-02-07 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: CA

Complaint narrative:
This is a serious issue that requires immediate attention. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have come across these errors multiple times, and they continue to cause unnecessary stress and XXXX. This situation is unacceptable and needs to be addressed without delay.

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 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX Dear Consumer Financial Protection Bureau, I hope this correspondence finds you well, I am writing to formally lodge a complaint against XXXX  XXXX XXXX concerning the abrupt termination of my account without prior notification or justification as well as their obstruction of lawful transfers. 

My account particulars are as follows : Account Holder : XXXX XXXX Account Number : Last year, my personal account with Navy Federal Credit Union was unilaterally terminated without any prior notice or explanation. Despite multiple attempts to obtain clarification from the credit union, I have not received a satisfactory response. This has caused significant distress and uncertainty regarding my financial standing and stability at Navy Federal Credit Union.

Additionally, I attempted to transfer funds from one of my other accounts to my personal account at Navy Federal Credit Union. However, I faced active obstruction from Navy Federal Credit Union, which seems to be preventing clients from conducting any transactions other than those that benefit Navy Federal Credit Union, such as extending credit to them or dealing with their approved banks. I believed my account was personal, but now I'm unsure about its nature at Navy Federal Credit Union. This conclusion has raised serious concerns about the management and security of my funds.

Furthermore, I am increasingly concerned that Navy Federal Credit Union may be unable to meet its obligations to depositors or creditors. The value of a personal account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and any investments linked to the account or profit generating schemes such as fractional reserve banking. This adds to my apprehension regarding the security and management of my funds. 

Previously Navy Federal Credit Union has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. However, since I signed this agreement on my own without any negotiation, it is neither appropriate nor legally valid for Navy Federal to enforce it. This behavior is misleading and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

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
Consumer complaint received 2025-02-07 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: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and misleading information appearing on my credit reports, generated on XX/XX/year>. Pursuant to 15 U.S.C. 1681o, I am holding the furnishers and credit reporting agencies accountable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in unjust harm to my creditworthiness.

I am disputing the following accounts due to inaccurate, unverifiable, or misleading reporting that negatively impacts my credit. XXXX XXXX XXXX account ( Account # XXXX ) is reported as at least 120 days past due with a past due amount of {$1300.00}, yet it contains erroneous late payments and balance inconsistencies. Under FCRA, the furnisher must provide verification or delete the inaccurate information. XXXX XXXX XXXX XXXX account ( Account # XXXX ) is listed as closed with XXXX late payments, yet these late payments are inaccurately reported. If XXXX can not verify the accuracy, this record must be corrected or removed. XXXX XXXX XXXX account ( Account # XXXX ) is marked as closed with XXXX late payment, but the report contains unverified negative payment history that should be removed. 

Under 15 U.S.C. 1681o, a consumer reporting agency or furnisher is liable for damages if it fails to comply with the FCRA due to negligence. My disputes are based on violations including failure to maintain accuracy under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the accuracy and completeness of consumer credit files ; failure to investigate under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation within 30 days ; and failure to provide verification under 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to provide complete and accurate information or remove unverifiable items.

I request immediate removal or correction of the disputed negative accounts if they can not be properly verified. I also request a detailed written response within 30 days outlining the investigation findings and compensation for any damages caused by negligent reporting, including financial hardship and credit score impact.

I request that the Consumer Financial Protection Bureau intervene to enforce compliance with the FCRA and hold the reporting agencies and furnishers accountable for negligent noncompliance. I expect a written response within 30 days, as required by law. Please confirm receipt of my dispute and provide me with updates on the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I'm filing this compliance against Cash App XXXX Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. 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 funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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 explanation