vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was notified by Bank of America online by emails they have requested me to submit relevant evidence and supporting documentation to help with several disputes with merchants. I am more than happy to provided these to them but they seemed have blocked the fucntions for me to view the claims under the Online Message Center in Bank of Americas online portal even after I logged in. I have contacted Bank of Americas customer service several times already by dialing the numbers on the backside of my card, which costed me at least 6 hours of my own personal time regarding this matter. Having spoke to several agents at BOA, they said themselves and their XXXX were not able to provide any reasons or instructions to solve this.

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 monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX, Account Number : 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 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: AL

Complaint narrative:
I attempted to contact Cash app in XX/XX/year>2021. Concerning some unauthorized charges on my account. However I was unable to get in contact Cash app. I emailed them and no response. The amount that was removed from my account was over {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I used to bank with Wells Fargo, but recently switched to a different bank due to someone getting access to my account and emptied out my checking and saving account. I think this was an inside job due to them also taking my savings account. When I called, one of the bankers acted like it was normal. Whoever these people were, they were able to spend at stores I've never shopped at and had the nerve to buy driving passes in New York. Wells Fargo acted like this was my fault. It has taken me months to close these accounts and get some of my money returned. I basically had to threaten them to get the ball rolling as to how my account was hacked. This bank had a huge data breach where their customer 's very personal information was released. I believe I was a victim of this bank. Now, I don't know how many people have my information. Someone very recently opened an account at XXXX with my address, name, and social security number. I believe it's due to this data breach. Before this happened, I replaced my debit card 4 times due to fraud, but it continued to happen. This bank is ridiculous and have ruined my life. Thank goodness I'm with another bank that actually gives me alerts and declines the transaction until I say it is from me, unlike Wells Fargo. Do not bank there.

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

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 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 Regulation 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
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit Reporting was sold a debt/collection account. The original account was opened prior to XXXX  when XXXX purchased. The credit reporting agencies are listing the debt under Midland as opened in XXXX and without completing the prior protocol for validity of debt has illegally reached the account on the basis that I asked for account validly documents. Midland is damaging my credit and practicing illegal debt collection practices.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date : XXXX **Consumer Financial Protection Bureau ( CFPB ) ** 1700 G Street NW Washington , DC 20552 **Subject : Complaint Against Experian Regarding Unfair Credit Practices** Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding their unfair credit practices , which I believe violate consumer protection laws. 

**Details of the Issue : ** On [ XXXX XXXX, XX/XX/XXXX ], I initiated a dispute with Experian concerning inaccuracies on my credit report related to my account with XXXX XXXX XXXX Despite my efforts to provide updated information and documentation confirming my account status, Experian failed to adequately investigate my dispute. 

Experian 's actions have been misleading and deceptive. For instance, they reported my account on XX/XX/XXXX, but just a few minutes later, they deleted my XXXX XXXX XXXX account, which has resulted in a shortened credit history. This misrepresentation has adversely affected my credit score and limited my access to financial opportunities. 

I have a letter from XXXX XXXX confirming that they have updated my information and reported it to all three credit reporting agencies. However, I continue to receive disputes from Experian stating that this account is not showing on my credit report. Despite reaching out to the CFPB and FTC, Experian continues to ignore my requests, regardless of the documentation I have provided. 

I have made multiple attempts to resolve this issue directly with Experian. When I called their customer service on [ XX/XX/XXXX ], I found it impossible to get in touch with a live person. Their automated system took me around and around without providing any meaningful assistance. 

Given these circumstances, I urge the CFPB to investigate Experian 's practices and take appropriate action to ensure compliance with consumer protection laws. 

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

Experian intended to mislead consumers. They can include false advertising, misleading claims, and failing to deliver promised products or services. 
Examples of not reporting all accurate information on credit reports, failing to update information from the original creditor. 


PLEASE SUBMIT THIS TO THE CFPB OFFICE FOR REVIEW

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-02-02 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-02-02 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: GA

Complaint narrative:
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 4 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 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 - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
YOUR COMPLAINT American Acceptance XXXX is still illegally using gps tracking systems to track vehicles without owners consent. Car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I paid the fees trepossessiom and paid XXXX payment in advance. Not only has they listed that I was delinquent In XXXX their records have reflected a latte payment-missed payment since XX/XX/XXXX and interest accursed from that date in XXXX. The XXXX payment was made in XXXX. The company is illegally charging interests on payment made prior to the due dates causing borrowers to fall further behind. They are also restricting online payments prior to going into default causing further delay in payments. The online system doesnt allow for splitting payments between two forms of payment. By doing so borrowers cant become current unless American Acceptance gets payment in one sum from one form of payment but the contract signed does not prevent borrowers from making multiple payments but the online system does!! Because of this borrowers are unable to make online payments.i intend to file or join suit re illegal repossessions. American Avveptance XXXX is still engaging I. The same practices as in XXXX of deceitful business practices. Im being charged late fees for a XX/XX/XXXX payment that was made in XX/XX/XXXX along with the repossessions fees owed. In XX/XX/XXXX I was being charged late fees for a payment previously already made.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
aCCOUNT # XXXX REPORTED TO MY CREDIT ON XX/XX/XXXX AAND i INCLUDED XXXX MY XX/XX/XXXX BANKRUPTCY CASE NUMBER # XXXX THE XXXX XXXX WAS OPENED IN XX/XX/XXXX AND THE XXXX XXXX XXXXXXXX WAS OPENED XX/XX/XXXX AND THEY FILED IT ON THE DAY ( XX/XX/XXXX ) OF MY BANKRUPTCY DISCHARGE ILLEGALLY THESE ITEMS WERE ILLEGALLY REPORTED TO YOUR BUREAU AFTER THE JUDGED DISCHARGED THEM IN MY BANKRUPTCY ON XX/XX/XXXX

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

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 the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe 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 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent several certified letters requesting that my personal information be corrected including deleting telephone numbers and address not associated to me yet my report still contains incorrect 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 2025-02-02 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 Equifax for failing to properly investigate my disputes 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.

This 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 2025-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Monies paid are only applied to interest which is daily. The balance never decreases and it should be considered as loan sharking. This practice is illegally taking advantage of consumers with less than perfect, good or even fair credit scores. It's designed to keep the consumer in debt with this company for many, many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes 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. This 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. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe. 
I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference. 

I expect written confirmation of this deletion. Failure to act will result in further legal consequences.

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 2025-02-02 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:
Card repeatedly being used in unauthorized transactions. I reported and blocked numerous attempts at my account. Replaced the card twice and Im still receiving attempts

Company response to consumer: Closed with explanation