vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I got an email in the beginning of XXXX stating that due to me having a negative balance they would be freezing my account until the negative balance was paid off. The negative balance was paid off last week and my account is still frozen. They keep giving me the run around when I call. I also sent chats and emails to them and all they have to tell me is that someone higher up will get back with me through email. This is unacceptable, especially because they said my account would be unfrozen once the negative balance was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Abrupt Account Closure and Withheld Funds by USBANK Dear Sir/Madam, I am writing as the owner of a 100 % female-owned and minority-owned small business to file a formal complaint against USBANK. On XX/XX/2024, my business account was abruptly closed by USBANK without prior notice or clear explanation. Additionally, I was informed that a remaining balance of {$3500.00} would be issued to me in the form of a cashiers check. However, over a year has passed, and I have yet to receive the promised check, nor have I been given any satisfactory explanation for the withholding of my funds. 

Despite my repeated efforts to resolve this issue, I was informed today, for the very first time, that my funds have been held in a General Ledger account. This information was not communicated to me prior to today, and I have received no documentation or formal letter explaining why my account was closed, as I was originally promised. Furthermore, there have been no fraud charges or incidents associated with my account, and I was never informed of any legitimate reason for the account closure. The lack of transparency and communication from USBANK has caused significant distress, financial hardship, and loss of business. 

Over the course of the past year, I have attempted numerous times to contact USBANK for clarification and assistance. On XX/XX/2024, I was transferred between eight different representatives without any resolution. I was told that I would need to physically visit the branch where I opened the account to retrieve my funds. However, I do not live in the same state and there are no USBANK branches in my area. When attempting to contact the branch by phone, no one answers. 

This ongoing issue has severely impacted my business, causing me to lose a major client due to the inability to access the funds in my account. The lack of communication, accountability, and assistance from USBANK has been extremely frustrating and financially damaging. 

I am requesting the immediate release of my funds in the amount of {$3500.00}, and a written explanation for the closure of my account, as well as the holding of my money in a General Ledger account without my knowledge or consent, plus interest. 

I would greatly appreciate your assistance in investigating this matter and ensuring that USBANK fulfills its obligations to me as a customer. Please let me know if you require any additional information or documentation from me to move forward with this complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

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 2025-02-21 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: OH

Complaint narrative:
I am filing this statement to report multiple fraudulent accounts and inquiries appearing on my EQUIFAX consumer credit report which I have not opened or authorized. Specifically, I have discovered that an auto loan or lease was fraudulently opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$2500.00}, and another auto loan or lease was opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$23000.00}. Additionally, there is a fraudulent personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$350.00}, and another personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$2400.00}. I have also identified fraudulent inquiries and accounts on my credit report associated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, none of which I authorized. All of these accounts and inquiries are the result of identity theft and fraud, and I am requesting that these fraudulent items be removed from my consumer credit report and that any related collection activity cease immediately in accordance with my rights under relevant consumer protection laws. These fraudulent items reported by EQUIFAX have resulted in unwarranted negative information appearing on my consumer credit reports, including possible collections and hard inquiries. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all related collection activity cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: OneMain Finance Corporation
State: ND

Complaint narrative:
I am writing to formally file a complaint regarding the excessive and harassing calls I have been receiving from your company in relation to the alleged debt that you claim I owe. Despite my requests for these calls to cease, I continue to receive multiple calls per day, causing significant stress and disruption in my daily life. 

The frequency of these calls goes beyond what is reasonable and has become harassment. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I believe your company 's actions are in violation of these guidelines, specifically : Repeated phone calls multiple times per day, including calls made early in the morning and late at night. 
Failure to cease calls despite my request to stop. 
Put a law suit against me in a state I do not live in and did not sign for the debt In

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: AZ

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To who ever this my concern my name is XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act fcra ,15 u.s.x.s 1681i witch requires credit reporting agencies to conduct a reasonable reinvestigation of disputed. Items. Recent findings by consumer financial protection bureau cfpb have brought to light. Significant concerns regarding Experian the cfpb alleged that the company engaged in sham investigations violating consumer protection laws by failing to meet it obligations under the fcra as per 15 u.s.c.s 1681 a1a Experian is required to conduct a thorough abd reasonable reinvestigation of disputed items within 30 days furthermore under 15 u.s.c .s 1681 I a 5 any information found to be inaccurate incomplete or unverified must be properly deleted or corrected failure to adhere to these requirements constitutions a violation of federal law i hereby request that Experian conduct a thorough reinvestigation of the following dispute accounts or items

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 2025-02-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 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: EQUIFAX, 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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Closed my account because of the mistakes make by the fact that they were refunded by your returning refunds they were not supposed to. Closed my account for fraud that you were supposed to protect me from. Lied about making a settlement with me because I was in the hospital again and I didn't get the chance to make a decision..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery, The last email that I received from Portfolio Recovery was on XX/XX/year> stating I owe {$1200.00}. I have also received phone calls before and after XXXX CST I am requesting that Portfolio Recovery provide verification of this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1 U.S.C. 1692g, I am requesting that Portfolio Recovery provide me with the following information to validate this debt. 1. The name and address of the original creditor, the account number, and the amount owed. 2. A copy of the original contract agreement. 3. Verification that there is a valid basis for claiming I am required to pay the current amount owed. 4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 5. Please also note whether this debt is within the statue of limitations and how that was determined. I would also ask that Portfolio Recovery cease and desist phone calls to my number, please only communicate with me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-21 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: NJ

Complaint narrative:
I am writing to formally dispute the improper handling of my identity theft claim and the subsequent investigation conducted by Experian. As a victim of identity theft, I have repeatedly requested that fraudulent accounts, specifically XXXX  accounts not opened by me, be removed from my credit report. However, Experian has failed to comply with their statutory duties under the Fair Credit Reporting Act ( FCRA ), resulting in harm to my credit and violation of my rights. 

I demand immediate resolution to this issue, as Experian has violated several key provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) : Under this section, Experian is required to conduct a reasonable investigation upon my dispute of fraudulent information. Experian has failed to properly investigate or remove accounts that were opened online without my consent or knowledge. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) : This provision requires that when a dispute is filed regarding an account that has been reported as fraudulent, the credit reporting agency must promptly notify the creditor involved in the dispute. It is clear that Experian did not take these necessary actions, nor did they provide timely and adequate responses to my claims. 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Under this section, any item that is found to be inaccurate or can not be verified must be promptly deleted from the consumers credit report. Since the accounts in question were fraudulently opened and do not belong to me, Experian is required to remove them from my credit file immediately. 
It is my assertion that Experian has failed to meet the legal standards set forth by the FCRA and has neglected its obligations to investigate and delete fraudulent accounts that were not created by me. 

account name : XXXX XXXX account numbers : 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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
-Tax refund deposited for both state and federal on XX/XX/year> -Identification verified on account -Multiple attempts of varying dollar amounts to wife 's account, and personal linked accounts, all denied with the error message " something went wrong, try again later '' Chat correspondence initiated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were provided a XXXX contact number but the agents stated there was nothing more that could be done on their end, and phone agents would say the same thing. 

Advised that we can not close an account with funds in it, unless the account is emptied via bank transfer ; which is being blocked by their " security system '' We have no access to our tax refund unless using the physical card for small purchases ; but we need to have access to all of it for purchasing functional vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief