vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Someone pretending to be my apartment building 's management sent me an email containing my unit number and the exact amount of my rent, saying that the system was down and that all payments would be made on Zelle. I made a Zelle payment on XX/XX/year>2024, to XXXX XXXX XXXX and to their number XXXX, then later found out I was scammed and tricked out of {$1400.00}. I contacted XXXXXX/XX/XXXX, and they said they would reverse the transaction. I found out this morning my claim was rejected, and I was scammed. They told me there was nothing they could do since it was Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
They denied a car refinance stating that the title said it was a salvage. The title is not salvage, they misread it or did not understand how to read the title. When they spoke on the phone the agent did not give me a chance to look at the title or dispute her false claim. I am unable to get through their automated service line to speak to a representative since they already canceled the application. I am going with a company with a lower rate now, but they need to train their employees on how to properly read a title before denying it on a falsehood, and be able to contact customer service not just an automatic disconnect from an automated line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
This is the second recall I had on my truck and I had it less than a month I have spent numerous of hours in the dealer which I had to take off work due to them. It having a loaner vehicle available for me .My family relies on my income the second recall was due to the tailgate opening automatically it almost caused huge accident on the highway and in XXXX incident I had my truck parked and tailgate opened automatically I found that my tools and supplies were stolen from my truck I provided the car maker with all my receipts and form of payment it is not fair that this car maker made faulty vehicle for that reason I had lost a lot of money and XXXX of my clients since the materials were stolen and I couldn't complete the job this has hurt me significantly financially I am trying to recover from this they asked if I filed a insurance claim which they do not know what they are talking about I did not make a police report because once again the vehicle was faulty due to there recall and my truck tailgate opening automatically due to there issue they refuse to acknowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I am writing to formally dispute the accuracy of information currently being reported on my credit file. I believe the information listed below has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) requirements, and I am requesting that you take the necessary steps to ensure compliance with the law. 

Specifically, I dispute the following accounts and request proper verification : XXXX XXXX XXXX ( Account No. XXXX ) Date opened : XX/XX/XXXX Status : Repossession, {$12000.00} past due Balance : {$12000.00} XXXX XXXX XXXX ( multiple accounts ) Dates opened :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Status : Various ( Paid/Closed, Open ) According to the FCRA ( XXXX U.S. CXXXX XXXX  ) , as a consumer reporting agency, you are required to : Conduct a reasonable investigation into disputed information.

Notify the data furnisher ( s ) of the dispute and request they provide proof that the information is accurate. 

Provide me with the method of verification used to validate the disputed accounts, including the name, address, and telephone number of any entity that supplied the information. 

Despite my previous disputes, it appears you have failed to properly investigate and verify the accuracy of these accounts, particularly : Whether the original creditors or furnishers have provided documentation that substantiates the reported data. 

Whether the reporting aligns with my payment history and account status. 

I am invoking my rights under the FCRA to demand full compliance. If you can not verify the information within the legal time frame of 30 days, you are obligated to delete it from my credit file per XXXX U.S. CXXXX  XXXX ( a ) ( 5 ).

Furthermore, I request that you provide : The specific documentation provided by the furnishers to verify these accounts. 

A clear description of the procedures you used to determine the accuracy of the disputed items. 

Failure to comply with these obligations will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal action for non-compliance with the FCRA. 

Please send me written confirmation of your findings or the deletion of these accounts within 30 days of your receipt of this letter. 

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

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of XXXX : XXXX Phone Number : XXXX Email Address : 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 2025-02-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I purchased a 2020 XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX. I was told that I was finished through a company called XXXX, they dealer originally used bait and switch tactics to increase the price of the vehicle by over {$4000.00} higher then the advertised price online of around {$15000.00} approximately. The dealer failed to secure financing after I had the vehicle for over a month. In retaliation to not securing financing the dealer decided to run my credit without my consent after a contract date of XXXX XXXX. This is fraud and improper use of my credit report. The dealer also tried to claim the added XXXX XXXX XXXX to my vehicle and it was a lie, it was fraud by deception, neither were installed on the vehicle. The dealer had no right to run my credit without my consent in hopes of lessening my chances at approval to other dealers. The dealer caused intentional economic harm that prevents me future economic and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Bellow are the inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. 
Sincerely, 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 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXs not registered in Florida, they are not authorized to collect debts from Florida residents. 
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

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 2025-02-06 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: IL

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

Despite my submissions, Transunion consistently responds within 24 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, Transunions 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 Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

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

Despite my submissions, Transunion consistently responds within 24 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, Transunions 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 Transunion complies with federal law and provides consumers with the necessary proof of 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 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase XXXX % concern is that Annual Fees or Finance Charges are Too High To XXXX XXXX Which Is Cool in My Wellcare Client or ResultsCX Job. 

XXXX called and the outreach is just a soothing of the finance charges that a manager might continue the problem or the goodness that both entities would like to see. 

Can coordinate to get ASAP Response So a Texas XXXX XXXX XXXX XXXX XXXX Can Even Live To See Another Hour In This Life or Down Below From A Seminary School Perspective. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute Regarding Inaccurate Credit Reporting - Navy Federal Credit Union Account Dear CFPB, I am writing to formally dispute inaccurate and potentially misleading information on my credit report related to an account with Navy Federal Credit Union. I have attached supporting documentation to aid in the resolution of this matter and request your assistance in correcting or removing this information. 

Details of the Disputed Account : Creditor : Navy Federal Credit Union Account Type : Credit Card Date Opened : XX/XX/XXXX Account Status : Paid, Closed ( as of XX/XX/XXXX ) Credit Limit : {$1500.00} Highest Balance : {$1600.00} Issues Identified : There are 9 late payments reported, including instances of 30, 60, 90, 120, and 150 days past due. However, the account has been closed and marked as " Paid, Closed '' since XX/XX/XXXX. 

The payment history includes months where the status is unclear or inconsistently reported, as well as a lack of clarity regarding prior investigations noted in the comments ( e.g., " Completed investigation of FCRA dispute - consumer disagrees '' ). 

The account was closed at the credit grantor 's request, which I believe should not continue to negatively impact my credit, especially since the balance has been paid. 

Request for Resolution : I kindly request a goodwill adjustment to remove the late payments associated with this account, given that the account has been paid in full and closed. 

Alternatively, I request a thorough investigation to ensure that all reported information adheres to FCRA standards of accuracy, fairness, and timeliness. 

Supporting Documentation : Attached screenshots of the payment history summary, account details, and status updates as reflected in my credit report. 

Copies of correspondence with Navy Federal Credit Union regarding the closure and payment of the account. 

The continued presence of this negative information on my credit report is unjustly affecting my creditworthiness and ability to access financial opportunities. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I signed up for a checking account that offered {$300.00} bonus after being opened for 3 months and having {$1000.00} in qualifying deposits. I've met all the terms and have yet to receive the money in the account.

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 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX  Balance {$600.00} Account number XXXX Open/closed Closed Date opened XX/XX/year>XXXX XXXX XXXX XXXX Balance {$110.00} Account number XXXX Open/closed Closed Date opened XX/XX/year> i have notice there are two social security on my credit profile and mines end with 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 resolution 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