vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent my first letter on XXXX enclosing the following. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company.

15 USC Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC Code 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I was receiving stall letters and tactics and followed up with another letter on XXXX enclosing. I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have had charges in my account for {$75.00} a few times & was not able to talk to anyone about the my account in cash app. My card was locked for no reason & is still locked & again I had no one to speak to about the situation. I emailed them my information but was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: SC

Complaint narrative:
Data breaches allowed information to be obtain by out sources

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 2025-02-22 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: NY

Complaint narrative:
I have ask Experian multiple times to remove old accounts in order which there updates to be recent accounts on my credit report like they are reporting a account from which is XXXX XXXX XXXX from XXXX XXXX XXXX they are reporting another account for XXXX XXXX  which is not a license company in XXXX XXXX XXXXXXXX a non license company which must follow XXXX XXXX must be removed because they are not able to collect a debt in XXXX  they are being paid by the company to held in accurate information they didnt send me any signed documents that I need to pay XXXX XXXX  which they should be sent to me if no proof is shown must be removed in 30 days or less

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 2025-02-22 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: NC

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees and NSF applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have XXXX accounts that keep reporting to my credit bureau after the accounts was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for falsely reporting a paid-off loan as open to Experian and refusing to correct the error. 

What Happened : On XX/XX/XXXX, I obtained a loan through XXXX  for a purchase with XXXX XXXX XXXX in the amount of {$4300.00}. 
This loan was fully paid off on XX/XX/XXXX, as confirmed by XXXX 's own loan verification letter, which states the balance is {$0.00} and the status is " Paid in Full '' as of XX/XX/XXXX. 
Despite this, XXXX failed to update Experian and continues to report the loan as open with an outstanding balance. 
I filed a dispute with Experian, and XXXX responded with incorrect information, falsely reaffirming the loan as open. 
This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of credit data must provide accurate and complete information to credit reporting agencies.

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 2025-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: NH

Complaint narrative:
I canceled my card with chime agent in XX/XX/year> because of suspicious fraud. Agent sent me virtual card. Chime authorized a payment on that canceled card for {$170.00} and it went through when I dispute it and told Chime what they did chime got Mad at me and out of retaliation closed my secured debit credit building card. I disputed that and got a apology letter see attached. But I lost XXXX points n never got them back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
I sent my first letter on XXXX enclosing the following. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have XXXX  days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within XXXX  days of RECEIPT of this letter will result in a small claims action against your company. 15 USC Code 1681e ( b ) Accuracy of report Whenever a consumer
reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the i

nformation concerning the individual about whom the report relates. 15 USC Code 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the
reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these I was receiving stall letters and tactics and followed up with another letter on XXXX enclosing. I demand verifiable evidence bearing my signature/electronic signature actions were initiated without proper validation or original documentation from any of the reporting entities. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX contacted my relative about a disputed account without my express permission. Additionally, the account in dispute was subject to a special payment plan with Citibank for 48 months at XXXX XXXX which originated XX/XX/year>. Citibank did not uphold this agreement and sold the account to XXXX XXXX XXXX without notifying me in writing.

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 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
XXXX XXXX vision charge me a big amount cable service for simple basic Chanel that had disconnected before the time get expired

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Writing to formally dispute several inaccurate and unverifiable entries on my credit report, which directly violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ) and ( e ). This dispute is further amplified by the recent class action lawsuit filed against your company regarding improper credit reporting practices, highlighting the need for immediate and thorough investigation of my credit file within 5 business days as per the FCRA 's mandated timeframe for dispute investigations. Please provide me with written confirmation of the removal of these disputed items and any further steps you will take to ensure the accuracy of my credit report moving forward. Failure to comply with this request will leave me no choice but to pursue further legal action against your company, including potential class action claims based on the recent lawsuit. 
I would like to dispute the following from my credit report and have the items removed based on the following : 15 US Code 16812 ; 15 US Code 1681 ( a ) 4:15US Code 1681 ( b ) 2 ; US Code 1681 ( q ) ; and 18 US Code 1028A. The accounts listed should be removed from my credit report based on 15 U.S. Code 1681 ( b ) as well as any accounts listed under 15 U.S. Code 1602 ( p ) any accounts listed under each of the codes above must be removed within 5 business days from the date of this letter.

Per 15 U.S. Code 1681 ( e ) and 1681 ( i ). The following items are hereby in dispute which needs to be removed no later than 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your prompt attention to the above items. The reports to be corrected is the Transunion report, the experian report and the equifax 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 2025-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
First, and foremost, I works for XXXX XXXX  I was told my funds from income taxes will be released a week later after a pending deposit. They have no right to hold your funds this long for a pending deposit. That's directly from your company. This makes XXXX sense as to why this is been hold so long. There's no overdraft involved. The question is. Who give you the right to do this. If anything illegal to this nature. I will personally have my team to be investigating. It's always something with this bank overall. It's not your money to distribute to me. It's my money. And I don't owe you 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 2025-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had an account with Capital One, lost my job. Began looking for online jobs, unaware of all the scams out there. One 3 occasions I was scammed into depositing cashiers checks for the employment I accepted. I was asked to send the money to a few different places as I was working as an assistant. Once the hold was released I transferred the money to allocated places. Then, the checks were bad, leaving me in a financial hardship I can't begin to describe. I cooperated with fraud department and told my story to 2 different agents. Gave them all the information I had. 1 agent was very understanding and empathetic to what I had been through. She credited my account for {$350.00} which was nothing compared to what i lost but I appreciated it regardless. Another agent called me and was very nasty towards me, accused me of being involved when I had no idea that I was being scammed at the time. She insisted I get my phone whiped, I called my company who initiated a full scan of my phone and found no problem. The next day I called and told her I had this done. She proceeds to yell at me and say that's unacceptable. I must take my phone to a specialist and have it checked and again was very nasty to me. I told her I didn't have the money for that and my company assured me the diagnostics they ran were sufficient. Next thing I know they mailed me a letter saying they were closing my account and had reversed the {$350.00} credit I had already spent. I was only {$64.00} overdrawn before this. That put me at overdrawn by {$410.00}. They disabled my account and I wasn't able to get into it. Before I received the letter about closure, I found a job. I had put my account credentials for Capital One on file. I changed it but I guess not soon enough. My check was sent there in the amount of {$720.00} for which they won't return to me although they have already charged off the principal. I can't access my money and this is a huge financial hardship for me. I owe money for my son 's tuition for school amongst many other bills that they won't return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am not liable for this debt. I do not have a contract with CREDIT COLLECTIONS. They did not provide me with the original contract with my ink signature.

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 Its showing OPEN on my credit report. 
A collection is by default a closed account, delete this account due to an XXXX reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I Paid Westlake Portfolio Management in the amount of {$1200.00} to settle my account which was settlement offered through the company. However till this Day the company refuses to provide a letter of satisfaction and remove the debt from my credit report after several communications via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
On Tuesday XX/XX/year> I was on vacation in XXXX. I went to XXXX XXXX in XXXX XXXX XXXX and brought my XXXX XXXX XXXX XXXX XXXX XXXXnd made a couple of purchases. XXXX large purchases showed up on my credit card statement for which I did not make, nor authorize, I closed the card while on vacation and called and created a fraud dispute with my credit card company, first national bank of Omaha. I called yesterday, XX/XX/XXXX, and they told me they had XXXX days after the claim was initiated before they could investigate. An hour after I got off the phone, my claim was denied. I will be calling on Monday when the investigation team is open, but there were XXXX charges that someone either skimmed my credit card information or XXXX of the other merchants stole my information. Sun country says they determined it was chip read with a pin, which is shocking to me, as I did not make the purchases and honestly I do not recall ever putting my pin in while in XXXX. Before this day I only used my card for a resort hold, a boat cruise and a purchase at XXXX convenience store. I do acknowledge that I made a few purchases on XXXX XXXX, XXXX for {$7.00} at a convenience store, XXXX for {$18.00} at a jewelry store, We did go into a couple of jewelry stores where the merchant seemed to recognize us from the resort we were at. Afterwards we realized this was a scam, as they recognized our resort bracelets. My credit card company says I am liable for the charges. I am going to continue to try to dispute to see if I can get more detailed info, as the merchant was very generic. 

They came across aXXXX XXXX XXXX XXXX XXXX} and a second charge for the same place for {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
I requested investigation for charge off/written off and bankruptcy to be remove. Experian failed to investigate and updated reports. After proof was provided to show that the bankruptcy court do not report to credit bureaus. The written off/charged off did not receive 1099 and company could it find information.

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling 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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have ask to have all inaccurate information that was on my report according to 15 USC 1681. However checking my report and all information that was ask to be removed is still present on my reports. All misspelling of my name, phone numbers that are not mine as well as addresses, but nothing has been done.

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