vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX Subject : Dispute of Derogatory Account - Account Number XXXX TransUnion XXXX I am writing to formally dispute the derogatory status of my account with XXXX XXXX XXXX, account number XXXX. I believe this account has been inaccurately reported, and I request a thorough investigation into this matter. 



- **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX Type : ** Auto Loan - **Current Account Status : ** Derogatory - **Open Date : ** XX/XX/XXXX - **Closing Date : ** XX/XX/XXXX - **Payment Status : ** Charge Off - **Date of Last Payment : ** XX/XX/XXXX - **Remarks : ** Charged off as bad debt profit and loss write-off I would like to emphasize that I did not authorize any creditor to send information regarding my account, nor did I receive a 1099-C for this matter. Therefore, I kindly request that you provide documentation that supports the charge-off and the reporting of this account. 

Please investigate this issue and provide me with a written response detailing the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
on XX/XX/XXXX I was the victim of a scam through XXXX where the scammer had taken over the XXXX account of a friend. The scammer posted through the friend 's account that she was helping to sell various items for an uncle that had passed away. Among them was a XXXX XXXX XXXX. My wife was interested in the vehicle and had me XXXX {$1000.00} through CapitalOne to who was believed to her friend 's cousin who was selling the vehicle. 

This person 's XXXX information is as follows : Name : XXXX XXXX XXXX XXXX Phone # : XXXX email : XXXX I sent the XXXX payment of {$1000.00} with the memo " Deposit for XXXX XXXX, Fully refundable prior to final sale '' After sending the {$1000.00} XXXX payment on Wednesday evening, XX/XX/XXXX, the recipient became unresponsive to texts and email and I reached out to Capitalone a couple of hours after sending the {$1000.00} to stop payment on the XXXX transfer and filed Claim XXXX with CapitalOne. I also reached out to zelle on the evening of XX/XX/XXXX to ask them to stop payment and they directed me back to CaptialOne. I've tried to reach out to the recipient of the transfer for refund via the email and phone listed above and they will not respond. It has since been made clear that the friend 's XXXX account has been hacked and this was a scam. 

On Thursday XX/XX/XXXX filed a police report with the XX/XX/XXXX XXXX, Massachusetts police department. The detective handling the case is XXXX XXXX. His email address is XXXX. The case number is XXXX. The police phone number is XXXX. 

Capital one has denied my claim, stating that I authorized the payment. This payment went to a deceptive criminal running a scam for nothing in return. 

I have been banking with CapitalOne, incident free, for decades. I would greatly appreciate that CapitalOne and or XXXX have the {$1000.00} reimbursed to my account. 

Please reach out to me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

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 recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances 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 2025-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I disputed the debt and this is what I received back WESTLAKE FINANCIAL SVCS POTENTIALLY NEGATIVE Account Info Account Name WESTLAKE FINANCIAL SVCS Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$9500.00} written off. {$9500.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$9500.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$11000.00} Highest Balance - Terms 48 Months On Record Until XX/XX/XXXX Contact Info Address XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone Number ( XXXX ) XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date Affected by natural or declared disaster. 

Invalid date, Invalid date, Invalid date Payment Deferred. 

Invalid date, Invalid date, Invalid date Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: NC

Complaint narrative:
I was recently reviewing my credit report and noticed inaccurate status and late payments for Midland MTG/MIDFRIST Account Number XXXX reported as 60 days past due in XX/XX/year>. I have never been late on this account and per 15 USC 1666 ( B ) and 15 USC 1637 a ( a ) reporting a payment as late is impermissible under any circumstances. Furthermore, according to 15 USC 16819 ( B ) consent from the consumer is require before furnishing information on their behalf which to date I have not granted.

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 2025-01-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 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: OR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I personally submitted the removal of old accounts & late payments in 2021 and now all this old information & incorrect infor have been placed back on my credit report, Experian has distorted my information & deleted what I entered on their app Experian has put back all the old addresses & phone numbers used for magazine subscriptions > and after using app to dispute the issues. same day Experian stated my account is accurate

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 2025-01-21 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in the light of the recent CFPB lawsuit highlighing significant issues with the platform. Despite using Zelle numerous time s 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 transaction was unfeasible. The UFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 a Zelle handling disputes particularly in the light of the Cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies. The lack of accountability and transparency is unacceptable and raise the serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Debois, Inc.
State: OH

Complaint narrative:
Upon calling Dbs Financial I have been ignored by the company telling me they do not provide a 1099 and and refusing to talk to me, the phone has not answered in a week and Im just now getting to them,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
A credit card payment showing late and it was never late, and all of the inqiures on my report I never gave permission for anyone to run my credit for any reason. I had asked many time to be removed.

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 2025-01-21 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: NC

Complaint narrative:
Please check the information concerning Experian in violation of 15 USC 1681i ( a ) 1 challenges the 30 day response time 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols

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 2025-01-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identied in this CFPB complaint from my consumer credit le within 4 business days of receiving said complaint. I request that all written conrmation regarding this CFPB complaint be sent to me via XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identied in this CFPB complaint from my consumer credit le within 4 business days of receiving said complaint. I request that all written conrmation regarding this CFPB complaint be sent to me 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
I asked XXXX to show me how it was verified 2 times and they have failed to do so. Ive asked for bill of sale, my original signature, if you could not provide then delete from 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 2025-01-21 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: TN

Complaint narrative:
I request on experian online dispute many time and they never fully investigate and check before they report and all my info been breach into dark web and and they report many thing that incorrect and I formation not allow to damage my credit cause emotionally financial cause due to their reporting please delete all the report that should be excluded in my credit reporting By law voilate 15usc 1681 ( n ) 15usc 1681 ( b ) 15usc 1666 ( b ) 15usc 1637 ( a ) 15usc 1692 ( g ) 15usc 1692 ( c ) 15usc 1681 ( e ) 15usc 1681 ( i )

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 2025-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I noticed 4 transactions on my cashapp, 3 of which went through and XXXX  that was denied. I contacted casbapp and was more or less told I was a liar that I either made them myself or authorized someone else to do so. They are made to a car rental place and the last time I checked you needed a license to rent a car which I do not have

Company response to consumer: Closed with explanation